How to protect a credit record (UK)
Discussion
I have no up to date experience of the credit market in the UK as I haven't lived there for over 10 years so....
My ( student at the relevant time ) niece disclosed to me that a close family member had basically stolen her ID and taken out a £10k credit card in her name.
Luckily, she happened to visit the family home on the day that the card arrived in the post so found it, opened it and then started asking questions.
The card has been cut up and the account closed, she has checked her current credit record and there is nothing currently on there that is not known to her.
She has recovered all of her ID documents to her new address
What mechanisms are there to secure her credit record from further attempts to take out credit without her permission / knowledge.
Despite my counsel to report this incident, she has declined "because family"
Is there a reputable and effective way of ensuring no one can try to attach anything to her credit record in the future?
Thanks
My ( student at the relevant time ) niece disclosed to me that a close family member had basically stolen her ID and taken out a £10k credit card in her name.
Luckily, she happened to visit the family home on the day that the card arrived in the post so found it, opened it and then started asking questions.
The card has been cut up and the account closed, she has checked her current credit record and there is nothing currently on there that is not known to her.
She has recovered all of her ID documents to her new address
What mechanisms are there to secure her credit record from further attempts to take out credit without her permission / knowledge.
Despite my counsel to report this incident, she has declined "because family"
Is there a reputable and effective way of ensuring no one can try to attach anything to her credit record in the future?
Thanks
She can pay £ 30 to CIFAS to monitor her record for the next two years and in theory they will advise her if anything untoward occurs.
I did this post having my ID taken as part of a ghost booking scam for Car Insurance.
She could also register with Action Fraud although it seemed to be the case that ID Fraud doesn’t appear to be a crime per se.
I did this post having my ID taken as part of a ghost booking scam for Car Insurance.
She could also register with Action Fraud although it seemed to be the case that ID Fraud doesn’t appear to be a crime per se.
Rushjob said:
I have no up to date experience of the credit market in the UK as I haven't lived there for over 10 years so....
My ( student at the relevant time ) niece disclosed to me that a close family member had basically stolen her ID and taken out a £10k credit card in her name.
Luckily, she happened to visit the family home on the day that the card arrived in the post so found it, opened it and then started asking questions.
The card has been cut up and the account closed, she has checked her current credit record and there is nothing currently on there that is not known to her.
She has recovered all of her ID documents to her new address
What mechanisms are there to secure her credit record from further attempts to take out credit without her permission / knowledge.
Despite my counsel to report this incident, she has declined "because family"
Is there a reputable and effective way of ensuring no one can try to attach anything to her credit record in the future?
Thanks
Have you come across this?My ( student at the relevant time ) niece disclosed to me that a close family member had basically stolen her ID and taken out a £10k credit card in her name.
Luckily, she happened to visit the family home on the day that the card arrived in the post so found it, opened it and then started asking questions.
The card has been cut up and the account closed, she has checked her current credit record and there is nothing currently on there that is not known to her.
She has recovered all of her ID documents to her new address
What mechanisms are there to secure her credit record from further attempts to take out credit without her permission / knowledge.
Despite my counsel to report this incident, she has declined "because family"
Is there a reputable and effective way of ensuring no one can try to attach anything to her credit record in the future?
Thanks
https://www.experian.com/blogs/ask-experian/how-to...
Just as a thank you for the comments and closure, my niece has registered for CIFAS, changed to her current address for all accounts that were registered at her family home and added a mail redirection from the family home to her new address for the next 12 months so fingers crossed.
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