Freezing the 3 credit agencies files
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dowling71
Posts: 31 Forumite
Hi just looking for some advice, I'm based in the UK.
I think I've been phishd and am trying to freeze my credit with experian equifax and transunion. (I have frozen my bank card)
Experian I only managed to lock, I have paid acount with equifax but apparently can't freeze (they told me, i can only add sub correction password,i havd now started ghat process which wil take 5 days (!) to appear on my report with them apparently) even though research said I should be able to freeze immediately. I think they can freeze in America, uk seems behind?
Transunion I can't seem to make a uk account with, all I got was a free credit report.
I've been at this since 7am,trying to lock everything down but doesn't seem straight forward with last two, especially transunion. Apparently I need to do it with the 3 because any of them could be targeted.
Any advice please?? Have I done all I can do with each of the 3 big uk ones?
Tia
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Comments
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I'd be more concerned with contacting banks and credit cards first."Never retract, never explain, never apologise; get things done and let them howl.”1
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You haven't given many details around what the specific problem is - did you buy something from a dodgy site and enter all your personal information?You can instigate cifas protection if you think someone will use your data to open a credit account in your name:If you're worried about people accessing existing accounts - you'd have to call each of your banks/financial institutions and inform them directly so that they can put an extra layer of security on your account, to ensure it is you that makes contact.
An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects Happy to help others going through what I've been through!1 -
Oh and stopping whatever actually got phished. facebook? Outlook?"Never retract, never explain, never apologise; get things done and let them howl.”1
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Can you freeze them in the UK? Thought that was a US capability that isn't available here.
Its very different in the US to the UK, so if it was US information you say that said you could, it may be misleading.1 -
Hiyes I suppose my question is have I done all I can with the 3 credit agencies?I was under the impression i could freeze each by contacting each individually. This seems not to be the case unless i am missing something.Thanks yes I contacted cifas 👍 👍0
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dowling71 said:Hiyes I suppose my question is have I done all I can with the 3 credit agencies?I was under the impression i could freeze each by contacting each individually. This seems not to be the case unless i am missing something.Thanks yes I contacted cifas 👍 👍The most important thing to have done is contact existing account providers if you fear someone will directly access your accounts as they stand - and if you fear someone will run a load of new credit applications - then the cifas protection is the best way to go.The credit reference agencies are more the data providers rather than the decision makers - so creating a song and dance with them might not help your cause much, the previous mentioned steps should have most impact.Do you fear someone accessing existing accounts, or creating new ones?An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects Happy to help others going through what I've been through!1
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I mostly fear credit being applied for in my name.
Everything that was said and done, I think that's what they were after0 -
Cifas protection is the right way forwards then.When you yourself apply for credit while it's in force - credit providers will ask for additional ID and should verify that it's actually you before granting an account. This will mean you'll have to jump through a few extra hoops, but that stops the fraudsters from doing it with the info they've already got.An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects Happy to help others going through what I've been through!2
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