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Fraudulent cards

Please please please can someone help!! My husband and I had our names stolen with 5 credit cards taken out in our names, this was 4 years ago and we have had no end of problems since then. We had huge trouble getting our mortgage last year and simple credit agreements for various things have bounced back saying we have a bad credit score which is so far from the truth, we’ve never had credit cards or loans (apart from a mortgage). We are now having problems getting an upgrade for a new mobile phone. The police were involved 4 years ago and did a full investigation and actually arrested the criminals but it’s hasn’t stopped for us!! Please can someone help, where do we go for help, what do we do to fix this and get our 100% credit score back permanently???? HELP!!

Comments

  • molerat
    molerat Posts: 36,569
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite
    What is showing on your credit reports from all 3 agencies ?

    Never associate with idiots on their own level, because, being an intelligent man, you'll try to deal with them on their level - and on their level they'll beat you every time.

    Being hated by idiots is the price you pay for not being one of them.

    Jean Cocteau 1889-1963

  • rach86
    rach86 Posts: 2
    First Post
    Newbie
    Thank you for your reply. So I can’t even get my score because equifax needs card details to create a direct debit to pay for the subscriptions. I know it was 999 on Experian before this all happened. Who do I go to to fix this? 
  • DCFC79
    DCFC79 Posts: 40,652
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    edited 5 May 2020 at 10:41PM
    rach86 said:
    Thank you for your reply. So I can’t even get my score because equifax needs card details to create a direct debit to pay for the subscriptions. I know it was 999 on Experian before this all happened. Who do I go to to fix this? 
    You do know the score isn't what lenders see, anything finance related uses your credit history.

    You don't need to use Equifax, there is a free option to use.
  • [Deleted User]
    [Deleted User] Posts: 35,382
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Forumite
    edited 6 May 2020 at 8:12AM
    Forget about your pretend 100% scores.  Get your three credit files and if anything is amiss, dispute it with the CRAs.

    Your lack of credit history may be as big concern as any erroneous data.


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