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Just found out that Tesco bank has placed a Cifa on my credit file. What do I do (screenshots)?
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By "them" I mean Tesco0
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Do check your credit files as well - there may be other things that haven't been picked up yet.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Hi, glad you got it sorted. A similar thing happened to me a couple of years ago with Vanquis - and I have never had any dealings with them. Phoned them and got it all sorted. Although the CIFAS marker stayed on my reports for 12 months. . . didn't really have any effect though.
I would also do as Brie suggests above, you can never be too careful.
Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.0 -
I agree that it's worth checking your credit files (from all 3 CRAS - Experian, Equifax and TransUnion) on a regular basis moving forward to see if any new problems develop.
Additionally, it may be worthwhile submitting a DSAR to the CIFAS and National Hunter databases to see if there is anything else reported which may not be visible on your credit files.
https://www.cifas.org.uk/dsar
https://nhunter.co.uk/subject-access-request/
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