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 Someone doing credit check using my address
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spices100
New Member

67 Posts

Posted - 20 July 2017 :  00:18:21  Show Profile  Reply with Quote
Today i got a letter from a loan company with my address on it but addressed to a name I've never heard of. Seems like this person has applied for credit but has been declined.

Just want to know is this something i should be concerned about in effecting my household ?
Could it be a scam in which someone uses my address.

Is there a way to check my household credit applications etc ?

Niobe
Administrator



United Kingdom
4590 Posts

Posted - 21 July 2017 :  21:15:30  Show Profile  Reply with Quote
Hi,

You need to contact firstly the company and say that this is not you.

You need to contact all three agencies to see if anyone has made an application in your name and see if any searches have been made.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 22 July 2017 :  12:01:27  Show Profile  Reply with Quote
I have replied but for some reason it is not showing up.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 24 July 2017 :  11:35:59  Show Profile  Reply with Quote
Hopefully this will be at the front of the list now.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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spices100
New Member

67 Posts

Posted - 31 July 2017 :  23:51:08  Show Profile  Reply with Quote
quote:
Originally posted by Niobe

Hi,

You need to contact firstly the company and say that this is not you.

You need to contact all three agencies to see if anyone has made an application in your name and see if any searches have been made.





Wouldn't doing a credit check just tell me if any credit has taken out using my correct full name only ?

I rang the loan firm and they have just updated their system and said they would contact me if need be.
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Niobe
Administrator



United Kingdom
4590 Posts

Posted - 01 August 2017 :  08:01:10  Show Profile  Reply with Quote
Probably but it might be worth your while checking to see if any searches have been done. You can do it for free with Clearscore and Noddle.

The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant


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