28 replies to this topic

[Taylor525]

I hope so... that will make everything simple-er.... hopefully, I will get this call tomorrow or tuesday!!

[gambogaz1]

Get yourself onto Noddle :

https://www.noddle.co.uk/

It's the only FREE credit report, but having been the victim of credit fraud / ID theft myself, I can assure you it's as accurate as the other big names.

I warn you though - I've given up trying to get some of the frauds removed from my file. It is such a pain in the f**king arse, I've been waiting 67 days for a reply from one of the debt collection agencies, acting on behalf of Littlewoods (who I never used, but apparently ordered £300 of ladies clothes from, using my name but with the title Ms). They claim to have contacted Littlewoods and say they are waiting for a reply - 67 days?

First they had my address wrong - they had it as a town 10 miles down the road. So I contacted Experian, Equifax, and CallCredit. They all said they would contact Littlewoods (Shop Direct Group), advise them of the fraud, and get it removed from my files.

What actually happened? They changed the debt to MY address. Thanks a F**KING BUNCH.

So I then wrote them all letters again, telling them thanks for that, but the issue they all skipped over was the fact I'd never shopped with Littlewoods, never lived in (or even heard of) the other address, and that it was clearly fraudulent.

They've said it's up to me to provide evidence that I didn't live in Stamford on the date shown. That means I need a bill from a certain date in January 2007 with my home address on. Sounds easy - but I was living with the parents at the time, and had f**k all bills. In their eyes then - I couldn't prove I didn't live 10 miles down the road, so I must be guilty.

You are completely stuck, you are basically treated as guilty, and they won't remove it. I'm just resigned to the fact that I can't get credit from anyone now (not a joke - nobody will touch me despite my previously perfect record), not even a store card.

Nice one for that, never heard of em, I've just signed up and found I've still got 4 defaults on my account that should have been wiped off a couple of years ago.

So do I need to write letters to these companies to remind them to remove it ?

[ady]

So do I need to write letters to these companies to remind them to remove it ?

Contact the agencies, they have the wrong info Gaz.......make them do the work.

[Bencrest]

Yup, there are 3 main agencies in the UK at the moment :

Equifax : http://www.equifax.co.uk/
Experian : http://www.experian.co.uk/ (a.k.a. Credit Expert)
CallCredit : http://www.callcredit.co.uk/ (a.k.a. Noddle)

It may be worth contacting all of them and asking for a copy of your credit file, or using the 'free trials' if you've not already done so - just make sure you cancel within the trial period!!!

If you use Quidco, you should be able to get £5 for joining Credit Expert and £5 for joining Experian

[stanmarsh14]

Probs best getting actual paper statements (Something I had to do awhile back, especially when I had no cards etc), which by law, the agancy's are limited to charging £2 max.

This is known sometimes as a £2 Statutory Credit Report

Full info at the following url: http://www.ico.gov.u...des/credit.aspx

BTW, be careful with Equfax, as they love to drag their arses over sorting a report out..... Best one by far I dealt with, was Experian (Formally CCN).

Edited by stanmarsh14, 15 October 2012 - 08:21 PM.

[gambogaz1]

Cheers fellas, I'm never gonna have the greatest credit rating but it would help if my report reflected the right information. I'm currently sitting on 1 out of 5 lol

[Bencrest]

Cheers fellas, I'm never gonna have the greatest credit rating but it would help if my report reflected the right information. I'm currently sitting on 1 out of 5 lol

Yup, same here, all because some idiot decided to use my details to set up a Littlewoods account to order womens clothes and furniture. Not me, honest!!!

[stanmarsh14]

Yup, same here, all because some idiot decided to use my details to set up a Littlewoods account to order womens clothes and furniture. Not me, honest!!!

Sure Ben?..... would look pretty in a frock, and as for those french lace knickers......

[Bencrest]

Sure Ben?..... would look pretty in a frock, and as for those french lace knickers......

It's a while since I got details of what was ordered, but most of it was size 8 or 10 I think. I think, on the same scale, I'd be at least a 16... not that I'm interested!

My fashion comprises of about 30 t-shirts (a mix of geek / Iron Maiden), a few geeky hoodies, three pairs of blue jeans, and a couple of pairs of DMs. I don't do fashion!

Edited by Bencrest, 16 October 2012 - 12:21 PM.