We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Password protected credit

Hi,
I'm really hoping someone can advise me...
Years ago I was a little concerned about financial security/identity around credit/finance etc. due to a personal matter so I took up the option of putting a password onto my credit file so that If anyone wanted to fraudulently get credit/finance for any items in my name then they'd be unable to do so as they wouldn't know the password when asked for it.

Now years have passed and I've never bought anything on credit. But this has led to me completely forgetting the password! I'm not even sure how I set it up - it might possibly have been Experian (I've contacted them but haven't heard anything back). I've also contacted my bank and they say that it's nothing to do with them.

So, does anyone know how to get rid of this function, or at least reset the password? 
Many thanks in advance!
LJS

Comments

  • [Deleted User]
    [Deleted User] Posts: 4,176 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 14 May 2020 at 4:09PM
     It expires after 6 years, mine did anyway. I set mine up with Experian 
  • L_J_S
    L_J_S Posts: 2 Newbie
    First Post
    Ahhh thank you so much for the info! No-one I've spoken to has even heard about it before! 

    I'm not exactly sure how long ago I set it up... must be around the 6 year mark.
  • [Deleted User]
    [Deleted User] Posts: 4,176 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Yes I did one on Experian's advice after an ex screwed my credit applying for all sorts in my name. It worked well and when I rang to change it was told it dropped off the same as any other information on your file after 6 years unless you ask for it to stay on. 
  • Fighter1986
    Fighter1986 Posts: 834 Forumite
    500 Posts Third Anniversary Name Dropper
    If you obtain a copy of your Experian credit file through MSE Credit Club you should see the entry under "notices of correction", if it's still there. 
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.