118 118 Money fraud

I have just had the same as some previously with 118 Loans, where someone has done a soft credit search for affordability for a loan application when I haven't even applied for a loan.. Tried to contact them press to speak to someone in their fraud department only to be told there was no agents available to speak to so please call back later.  Does anyone else have some recent experience of this?


  • Check all 3 credit agencies quickly - Clear Score, MSE Credit Club, Credit Karma and make sure nothing else is going on. A soft search alone isn't a big issue but it could indicate possible ID theft so you might need a CIFAS protective marker in the future if someone is taking your ID to use for fraud. Sadly, you may need to look close to home
  • Could it be from using a loan eligibility checker on a CRA? It will show as a soft search against all potential creditors it compares
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