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.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Fraud question

Someone tried to open or opened a bank account or credit card in my name. I made the bank aware it was not me and it doesn’t show on my credit report.

Today I’ve had a letter saying that a Totally Money (some kind of credit report service) account was fraudulently opened in my name. Obviously I will email them to confirm this was fraud.

How do I get a marker put on my credit file that someone is committing fraud in my name? I think there is a way.

Thanks.

Comments

  • friolento
    friolento Posts: 3,489 Forumite
    1,000 Posts Second Anniversary Name Dropper Photogenic

    You can request a CIFAS protective registration. Be aware that it slows down your own applications for credit accounts as the providers need to carry out extra checks. You can, however, cancel your registration at any time https://www.cifas.org.uk/pr

  • marcia_
    marcia_ Posts: 4,116 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    you can also put a password on your credit report. I put a password on Experian which the company who was checking would phone and ask for it. My disgusting ex bf then couldn't take out more credit in my name.

    2026 wins - Parker Pen, American Sweets bundle, dish magic bundle

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
  • 354.3K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.3K Work, Benefits & Business
  • 604K Mortgages, Homes & Bills
  • 178.4K Life & Family
  • 261.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only 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.