Change of name

Nikkimikki

cymruchris said:

Nikkimikki said:

Carrot007 said:

Nikkimikki said:

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

In what way do you suspect it is frauf for a company to do a recheck you agreed to on your old details when you have not updated them? (which is what I believe is occuring).

I would say don't waste action fraud's time. But they do nothing useful so....

If you read my post I stated it was a check that was unrecognised and therefore I did not consent to

It can happen that when you use comparison sites for insurance or credit card eligibility etc. that you give them permission to continue checking your files via soft checks whenever they want (it's all hidden in the small print). I've used things like the 'totallymoney' eligibility checker, and other such sites in the past - and then for a long time after I was soft searched often by the 118118 money card people. I have never had a card from them and never will - but they keep on soft checking my file. It's only hard searches you should be worried about. Have you used comparison sites in the past?

I understand but this was a gambling website which I have never signed up to

cymruchris

Nikkimikki said:

cymruchris said:

Nikkimikki said:

Carrot007 said:

Nikkimikki said:

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

In what way do you suspect it is frauf for a company to do a recheck you agreed to on your old details when you have not updated them? (which is what I believe is occuring).

I would say don't waste action fraud's time. But they do nothing useful so....

If you read my post I stated it was a check that was unrecognised and therefore I did not consent to

It can happen that when you use comparison sites for insurance or credit card eligibility etc. that you give them permission to continue checking your files via soft checks whenever they want (it's all hidden in the small print). I've used things like the 'totallymoney' eligibility checker, and other such sites in the past - and then for a long time after I was soft searched often by the 118118 money card people. I have never had a card from them and never will - but they keep on soft checking my file. It's only hard searches you should be worried about. Have you used comparison sites in the past?

I understand but this was a gambling website which I have never signed up to

That’s fair enough. Probably best to keep a close eye on your files then for any hard searches. Make sure you monitor the three popular ones, to make sure no new accounts are opened. Now that you’ve given more context to the situation - it’s easier to understand. I imagine that if it’s a recent name change - a hard credit check for an account may possibly go through - but once your new name populates more of your data and has done for a few months I’d imagine any application on your old details would be more likely declined, however that’s my thought rather than known fact. With that extra info you’ve provided someone more knowledgeable than me might be able to help further. 

SpreadableToast

Nikkimikki said:

cymruchris said:

Your previous history doesn't disappear - it will link with your ongoing history under your new name. If you were to apply for credit - it should now be in your new name. You can check the CRA reports regularly until your new name has appeared on some accounts - and once evidence of your new name begins to populate your files, applying for things should then be easier. Have you updated the electoral roll with your new name? Why would you want to apply for credit in your old name?

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

Aliases stay on your credit file indefinitely.  You need to deal with this head-on, waiting for some timer to run out won't help youin this instance.

Nikkimikki

SpreadableToast said:

Nikkimikki said:

cymruchris said:

Your previous history doesn't disappear - it will link with your ongoing history under your new name. If you were to apply for credit - it should now be in your new name. You can check the CRA reports regularly until your new name has appeared on some accounts - and once evidence of your new name begins to populate your files, applying for things should then be easier. Have you updated the electoral roll with your new name? Why would you want to apply for credit in your old name?

Thanks.  I don’t want to apply for credit in my old name.  I have had some soft search entries on my credit report which I don’t recognise.  I suspect who is behind it and the reason for my question was that if this person doesn’t know my new name then will any future checks they try to do fail if done under my old name.

p.S I have already informed the CRA and Action fraud

Aliases stay on your credit file indefinitely.  You need to deal with this head-on, waiting for some timer to run out won't help youin this instance.

I know they stay on the file indefinitely but I was trying to understand if a check was done under an old name then would it fail.

D3xt3r5L4b

Not if it’s linked to you