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.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.

Capita Cyber Attack - Free Experian Membership Causing Loads Of Hassle

My private pension provider recently gave me free Experian Identity Plus membership because various strands of my personal data (including my bank account details!!!) were hacked during a cyber attack at Capita. I few days ago I applied for a new current account with a different bank and my application was declined because the bank applied to Experian for a credit check. I have no debts and own my home outright so cannot think of anything, apart from my recent Experian membership, that could have caused my bank account application to be declined. Has anyone else had a similar experience?  

Comments

  • Brie
    Brie Posts: 13,519 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Think you should stick to one thread about a problem not open duplicates.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe and Old Style Money Saving 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.

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
  • HA57 said:
    My private pension provider recently gave me free Experian Identity Plus membership because various strands of my personal data (including my bank account details!!!) were hacked during a cyber attack at Capita. I few days ago I applied for a new current account with a different bank and my application was declined because the bank applied to Experian for a credit check. I have no debts and own my home outright so cannot think of anything, apart from my recent Experian membership, that could have caused my bank account application to be declined. Has anyone else had a similar experience?  
    I also have Experian Identity Plus (as a result of the Capita hack). I get emails from Experian saying my report is locked and to 'Simply unlock when you’re ready to make a new credit application'. Did you unlock your report before applying for the new account?
    'Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn’t, pays it' - Albert Einstein.
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
  • 348.4K Banking & Borrowing
  • 252.1K Reduce Debt & Boost Income
  • 452.4K Spending & Discounts
  • 241K Work, Benefits & Business
  • 617.3K Mortgages, Homes & Bills
  • 175.7K Life & Family
  • 254.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 15.1K Coronavirus Support 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.