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Bit of advice on fraud hard searches

cman5200
Posts: 4 Newbie


Hi, I received an email from Clearscore on a couple of hard searches under my name and address. Nothing to do with me. Also something through Carphone Warehouse.
I've contacted Vodafone and a number was set up under my name and address - I've cancelled that with them. Next day, discovered EE (via BT searches) had the same thing; called and did the same. I also have written to ClearScore (Equifax) and told them of the disputed searches. I'll also call Carphone Warehouse today if they are open. The account set up was a Monzo account; nothing to do with me at all. I called Monzo, but they were not interested, said they couldn't do anything with the name, address etc but that it would be "impossible to set up an account in my name and address" (despite the DD mandate I received in the post having my name on it?). The only problem is my score now looks shot probably in part due to these searches.
I check my bank accounts regularly, my Credit Score monthly or when I get an alert and am pretty sure things are otherwise OK. I'm wondering if there is anything else I can do to kill off all traces of this fraud? And is there a way I can get these searches removed from my record so I don't have the blemishes on there and recover my score?
Many thanks for your help ...
I've contacted Vodafone and a number was set up under my name and address - I've cancelled that with them. Next day, discovered EE (via BT searches) had the same thing; called and did the same. I also have written to ClearScore (Equifax) and told them of the disputed searches. I'll also call Carphone Warehouse today if they are open. The account set up was a Monzo account; nothing to do with me at all. I called Monzo, but they were not interested, said they couldn't do anything with the name, address etc but that it would be "impossible to set up an account in my name and address" (despite the DD mandate I received in the post having my name on it?). The only problem is my score now looks shot probably in part due to these searches.
I check my bank accounts regularly, my Credit Score monthly or when I get an alert and am pretty sure things are otherwise OK. I'm wondering if there is anything else I can do to kill off all traces of this fraud? And is there a way I can get these searches removed from my record so I don't have the blemishes on there and recover my score?
Many thanks for your help ...
0
Comments
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Although the searches may have impacted your score, it won't make any particular difference to your credit worthiness, certainly not beyond the very short term.
Dispute the searches with each of the CRAs and see if they can be removed.1 -
Thanks so much for the quick reply, I'll do that ... I'll follow up with Experian now!0
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cman5200 said:Thanks so much for the quick reply, I'll do that ... I'll follow up with Experian now!
Not Experian.0 -
I know you didn't ask, but you should look very close to home to figure out who's doing this. It's someone who knows you very well. Usually a relative, partner, child, etc. Because to do these applications someone knows your full name and your date of birth, and if they include physical items like a card or buying a phone, they probably have access to your post as well.0
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