Two settled Wonga loans on my credit file from 2013

FlickyK
FlickyK Posts: 23 Forumite
First Post First Anniversary
in Credit file & ratings
Hi,

First post here so sorry if this is the wrong place but I'm feeling really worried.

So I've been getting my free monthly credit reports from Noddle, and after having a bit more of a dig around on one this morning, there are two settled Wonga loans linked to me from 2013.

I've never taken out a payday loan so I've no idea why they're there, but looking at them via the credit report they have my name, dob and the address I was living at.

I don't understand, surely if your identity gets stolen they don't just take out two payday loans, immediately pay them back and then never do anything again?

I'm freaking out as I don't want this to destroy my chances of getting a mortgage in the next couple of years.

I've flagged dispute on the credit report, but what else can/should I do?

Thanks
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Comments

  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    No need for freak-outage yet. Follow through with the CRAs, and they will ask Wonga to provide evidence.

    In the meantime, have you checked your other files?
  • FlickyK
    FlickyK Posts: 23 Forumite
    First Post First Anniversary
    OK, phew, will try to calm down a bit so when you say CRA is Noddle a CRA?

    So by disputing have I raises it with them?

    When you say other files do you mean like Experian?

    What are the other ones?

    Sorry for all the questions!
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
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    Experian and Equifax are the other two CRAs.

    Raise disputes for any accounts which are not yours.
  • sourcrates
    sourcrates Posts: 28,833 Ambassador
    First Anniversary Name Dropper First Post Photogenic
    FlickyK wrote: »
    OK, phew, will try to calm down a bit so when you say CRA is Noddle a CRA?

    So by disputing have I raises it with them?

    When you say other files do you mean like Experian?

    What are the other ones?

    Sorry for all the questions!

    Experian and Equifax, both available for free (Google is your friend here) or you can obtain a £2 statutory report from there respective websites.
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it 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.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • Arleen
    Arleen Posts: 1,164 Forumite
    Combo Breaker First Post
    I will only add that getting the 2quid report every few months is still a good practice, while the free websites should be as accurate, there is a little pain to make sure with the actual source every now and then.
    From your use it looks like your details were confused with someone else on the CRAs side (anything criminal wouldn't pay them off), so they will likely go away ;).
  • FlickyK
    FlickyK Posts: 23 Forumite
    First Post First Anniversary
    OK thank you, so could they still be confused even though the name and address are mine?
  • Arleen
    Arleen Posts: 1,164 Forumite
    Combo Breaker First Post
    FlickyK wrote: »
    OK thank you, so could they still be confused even though the name and address are mine?
    Weirder things happened. Keep in mind that they process millions of people and documents, so even something at extremely low odds of happening eventually will happen.
  • MSE_Chris
    MSE_Chris Posts: 200 MSE Staff
    First Anniversary Photogenic Name Dropper First Post
    FlickyK wrote: »
    OK, phew, will try to calm down a bit so when you say CRA is Noddle a CRA?

    So by disputing have I raises it with them?

    When you say other files do you mean like Experian?

    What are the other ones?

    Sorry for all the questions!

    Hi FlickyK,

    It might be a shameless plug but you can get your full Experian Statutory Report through our Credit Club (http://www.moneysavingexpert.com/creditclub) and it's free!

    I hope this helps and that you're able to get to the bottom of this.
  • Candyapple
    Candyapple Posts: 3,384 Forumite
    First Post First Anniversary Combo Breaker Intrepid Forum Explorer
    FlickyK wrote: »
    OK, phew, will try to calm down a bit so when you say CRA is Noddle a CRA?

    CRA = credit reference agency. There are 3 in the UK - Experian, Equifax and Call Credit.

    The free versions to check your credit files are below:
    Experian: https://www.moneysavingexpert.com/creditclub
    Call Credit: https://www.noddle.co.uk
    Equifax: https://www.clearscore.com

    FlickyK wrote: »
    So by disputing have I raises it with them?

    Yes.

    Do you live in a shared house? Any chance a sibling/friend could have used your details? If not, then just wait and see what Wonga come back with.
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
  • takman
    takman Posts: 3,876 Forumite
    Combo Breaker First Post
    Candyapple wrote: »
    CRA = credit reference agency. There are 3 in the UK - Experian, Equifax and Call Credit.

    The free versions to check your credit files are below:
    Experian: www.moneysavingexpert.com/creditclub
    Call Credit: www.noddle.co.uk
    Equifax: www.clearscore.com



    It's worth pointing out that there are actually more than three Licensed Credit Reference Agencies in the UK, but those three are the main ones and currently the only ones worth checking.
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