Is your email address part of your credit score?

DMagslad

Hopefully someone can help with this as I couldn't find the answer searching the forums.

It's a bit of a strange one - somebody applied for a credit card and accidentally used my email address instead of their own (copy and paste error, and I have no reason to doubt this, I know the person and I don't suspect fraud or identity theft).

The first I knew was that I received an email stating that the credit card application had been rejected (sent to my email address, but with the name/postcode of the person who had applied included in the message).

I rang the fraud department of the bank in question who confirmed that it was just my email address that had been used - all of the other information on the application was correct for the person applying, and they are an existing customer of that bank.

My question is - is my email address linked to my credit record, i.e. is there any way that this credit card rejection could somehow affect my credit score, even though it was just my email address used (not my physical address, dob etc)? If it can somehow be linked, how would I go about ensuring it is 'in-linked' so that this situation doesn't impact me?

Thanks in advance for any replies.

Nasqueron

Your score doesn't exist, it's just a made up number so it going up or down doesn't matter.

Your email is nothing to do with your credit record, you can register for the account with bigjonbangstheladies37@madeupemail.com if you really want to so long as your ID matches up

Ed-1

DMagslad wrote: »

Hopefully someone can help with this as I couldn't find the answer searching the forums.

It's a bit of a strange one - somebody applied for a credit card and accidentally used my email address instead of their own (copy and paste error, and I have no reason to doubt this, I know the person and I don't suspect fraud or identity theft).

The first I knew was that I received an email stating that the credit card application had been rejected (sent to my email address, but with the name/postcode of the person who had applied included in the message).

I rang the fraud department of the bank in question who confirmed that it was just my email address that had been used - all of the other information on the application was correct for the person applying, and they are an existing customer of that bank.

My question is - is my email address linked to my credit record, i.e. is there any way that this credit card rejection could somehow affect my credit score, even though it was just my email address used (not my physical address, dob etc)? If it can somehow be linked, how would I go about ensuring it is 'in-linked' so that this situation doesn't impact me?

Thanks in advance for any replies.

It can't impact your credit file, but email address is one of the matching rules used on fraud prevention databases such as National SIRA and National Hunter to weed out potentially fraudulent applications.

These have matching rules like the below (in the case of National Hunter) where if the same e.g. email address has been used on more than 4 applications submitted to the database in the last 6 months then it will refer the application for fraud checks.