Hi please help; I have been a member of check my file for about 6 months, & my credit rating was pretty good up until a week ago. From about 5 years ago, until last week sometime, my mortgage my loan & my 4 credit cards were all up to date & marked OK. At the end of 2007 I moved abroad for 3 years, but kept my house here in the UK, leaving it empty, but returning a couple of times each year, to visit my grown up children & grandchildren. The problem is one of my children opened up 3 mail order catalogues accounts at their address (not mine) while I was abroad, using my name, date of birth & details, but registered to their address. I had no idea they had done this until last week. When 3 black default notices appeared on my credit report linked to their address, under my name. Where incidentally I have never lived. These black marks on my record where first registered about 4 years ago, but have only just showed up being linked to my address last week. I have read somewhere I need to get a crime number from the police to distance myself from these fraudulent credit applications/defaults. But obviously I cannot do that I would not & could not drop my daughter in trouble with the police. Despite her destroying my good credit record. All three debts amount to about £1,000 which I could pay off provided I can track down the original mail order companies, If I got in touch & explained what has happened, I am guessing they would be happy to take my money & mark it satisfied or settled but I am guessing the black marks would remain on my record until they drop off in a couple of years. Also I am guessing it won’t be long before debt collectors are banging on my door. Any help or advice any of you can give me would be greatly appreciated.