fraud in my name
Discussion
MrJuice said:
Sorry for appearing to come across as a lazy s
t by getting PH (instead of google) to answer my question...I just don't know where to start.
By Googling CIFAS perhaps? It would have taken you much longer to type the post than it would have to do a Google search. So you're not just lazy - you're stupid too. And you clearly didn't take the advice before, as it's been weeks since your original post and you're only now getting around to looking at this?t by getting PH (instead of google) to answer my question...I just don't know where to start.Go here, and stop fannying about. Get it sorted.
https://www.cifas.org.uk/pr_for_individuals
Thank you
But in the case of a debenhams type card, a form is filled out by an £8ph temp at the till and you get your credit. There is no contact with cifas, surely?
Or does that come later, in between letting someone walk off with £800 worth of tat from debehams and sending me a statement for the money someone else spent?
But in the case of a debenhams type card, a form is filled out by an £8ph temp at the till and you get your credit. There is no contact with cifas, surely?
Or does that come later, in between letting someone walk off with £800 worth of tat from debehams and sending me a statement for the money someone else spent?
i am sorry this turned out to be worse than expected but we did tell you so! The £20 fee for cifas is for registering the protective registration. It is money well spent. Check your home contents insurance - you may find you have identity theft insurance and then they will sort it all out for you....
MrJuice said:
But in the case of a debenhams type card, a form is filled out by an £8ph temp at the till and you get your credit. There is no contact with cifas, surely?
They still do a credit check with the main credit reference agencies. The contact is not with CIFAS - they just apply the marker on all your credit files with the credit reference agencies (Equifax, Experian etc). The store won't give out instant credit if the marker is there.MrJuice said:
I see that cifas has a £20 joining fee. Is this a one off fee? and if I join cifas, does that they, most likely, protect me against these opportunist type frauds?
1)Contact CIFAS and ask for a 'Protective registration' to be put on your name, the £20 is to cover the administration costs, it's a one off fee that covers you for 13 months. Give them as much detail as you can, correct mobile, home tel, email address and address history. - If someone applies for credit in your name, it will flag that you have a protective registration. That company can
then see that you've been impersonated, and that the fraudsters details don't match yours, and decline the application, or contact you to confirm if it was a genuine application.
2) Check your credit file with experian, equifax and call credit. If there's anything you see that you don't recognise, flag it with the relevant company disputes process and ask for it to be removed.
3) Things like this often happen from people throwing away sensitive information in the bin. If you don't already, shred any thing going in the bin that has your name or address on it, or other information you wouldn't want a fraudster to have.
Different companies use different credit reference agencies. And the Credit Reference agencies are seperate private companies, so if you correct one, it doesn't mean the others will be corrected.
Most banks etc use Experian, so that's your first call. But lets say you get everything sorted with Experian, your Equifax report might still show 20 credit searches made in the past month. If you then apply with a company that only uses Equifax, they'll think you look dodgy, even though you've sorted everything with the Experian.
Most banks etc use Experian, so that's your first call. But lets say you get everything sorted with Experian, your Equifax report might still show 20 credit searches made in the past month. If you then apply with a company that only uses Equifax, they'll think you look dodgy, even though you've sorted everything with the Experian.
MrJuice said:
I'm on to all this properly now
Is it worth searching all three agencies (experian and the others?) Or will searching one suffice?
Not a bad idea.Is it worth searching all three agencies (experian and the others?) Or will searching one suffice?
You can use a company called checkmyfile who do a multi-agency search.
After that register with noddle and you get free monthly credit checks. You can also pay a fee to get notified everytime there is activity on your file.
Its a long and hard road to get your credit file to the state it was before the fraud (I doubt many do) but I managed it over 9 months.
Good luck.
MrJuice said:
I'm on to all this properly now
Is it worth searching all three agencies (experian and the others?) Or will searching one suffice?
Call credit you can get a report from for free from Noddle.Is it worth searching all three agencies (experian and the others?) Or will searching one suffice?
Experian and Equinox bath have free months if you join them.
I think you know the answer whether you should nip this in the bud now...
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