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  • FIRST POST
    • Em2aLou38
    • By Em2aLou38 11th Jul 18, 9:29 AM
    • 4Posts
    • 0Thanks
    Em2aLou38
    Refused credit...identity theft
    • #1
    • 11th Jul 18, 9:29 AM
    Refused credit...identity theft 11th Jul 18 at 9:29 AM
    I am in the process of buying a home with my partner ..we put an offer in on a house which was accepted and gathered together a 10% deposit!

    Everything was good to go until our mortgage advisor said there was something on my credit file that was causing problems in securing a mortgage in principal!

    Iíve paid to re-join Experian and from this I can see there is an address linked to me..an address Iíve never lived at!!! I can see from the report a debt collecting agency is linked to this address so Iím guessing the occupant had used my details to open credit accounts/catalogues. I recall a few years ago reporting this to the police and action fraud but thatís as far as it went!

    Iím devastated as is my partner as this is obviously affecting us getting the house with a 10% deposit weíve been advised until this is rectified we would have to increase our deposit!

    I donít know what to do..is it likely these accounts and address can be removed from my credit file??? Would my credit file improve instantly if these were removed?
Page 1
    • zx81
    • By zx81 11th Jul 18, 9:34 AM
    • 17,791 Posts
    • 18,902 Thanks
    zx81
    • #2
    • 11th Jul 18, 9:34 AM
    • #2
    • 11th Jul 18, 9:34 AM
    Raise a dispute with all CRAs where it appears. Once it's removed, there will be no trace.

    But stop paying for Experian. Just get your free reports and save your cash for soft furnishings etc.
    • Em2aLou38
    • By Em2aLou38 11th Jul 18, 3:16 PM
    • 4 Posts
    • 0 Thanks
    Em2aLou38
    • #3
    • 11th Jul 18, 3:16 PM
    • #3
    • 11th Jul 18, 3:16 PM
    Am I best off putting it all in writing to the relevant CRA!!!8217;s?
    I!!!8217;ve contacted Equifax and raised a dispute Ive also contacted my local police force/data protection asking for a copy of the original incident I reported about the fraudulent activity with someone using my details!

    Is there anything else I can do for now?
    • zx81
    • By zx81 11th Jul 18, 3:20 PM
    • 17,791 Posts
    • 18,902 Thanks
    zx81
    • #4
    • 11th Jul 18, 3:20 PM
    • #4
    • 11th Jul 18, 3:20 PM
    You can do it online.
    • alexglobal24
    • By alexglobal24 11th Jul 18, 4:09 PM
    • 2 Posts
    • 0 Thanks
    alexglobal24
    • #5
    • 11th Jul 18, 4:09 PM
    • #5
    • 11th Jul 18, 4:09 PM
    You best best it to contact lenders - and explain your situation and ask to amend CRA files.
    • Em2aLou38
    • By Em2aLou38 11th Jul 18, 7:50 PM
    • 4 Posts
    • 0 Thanks
    Em2aLou38
    • #6
    • 11th Jul 18, 7:50 PM
    • #6
    • 11th Jul 18, 7:50 PM
    I!!!8217;ve contacted Equifax, Experian, my local police force to get a copy of the initial incident report along with emailing the CRA involved. Suppose I just gotta sit tight and wait now!

    I have seen another property which I could cover a 15% deposit easily which my mortgage advisor said lenders will want a larger deposit because of the defaults currently showing! Is that right?
    • zx81
    • By zx81 11th Jul 18, 7:52 PM
    • 17,791 Posts
    • 18,902 Thanks
    zx81
    • #7
    • 11th Jul 18, 7:52 PM
    • #7
    • 11th Jul 18, 7:52 PM
    Larger deposits lower the risk for lenders.
    • DCFC79
    • By DCFC79 11th Jul 18, 8:17 PM
    • 32,130 Posts
    • 20,213 Thanks
    DCFC79
    • #8
    • 11th Jul 18, 8:17 PM
    • #8
    • 11th Jul 18, 8:17 PM
    Its not a case your credit file will improve if the incorrect data is removed but more a case of it wont be on your report to see.

    Oh and stop paying for experian, theres 3 other agencies so get your report from them whilse your at it.
    Last edited by DCFC79; 13-07-2018 at 8:21 PM.
    • Em2aLou38
    • By Em2aLou38 13th Jul 18, 7:53 PM
    • 4 Posts
    • 0 Thanks
    Em2aLou38
    • #9
    • 13th Jul 18, 7:53 PM
    • #9
    • 13th Jul 18, 7:53 PM
    Iíve received a response from the CRA inviolved. From the document theyíve sent me I can see that there are four accounts but where it says Ďapplication addressí itís states Ďnot availableí. Does this mean they are unable to provide the address for where the credit was taken out from?
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