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credit report question-worried!


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I just checked my credit report with annualcreditreport.co.uk.

 

There is a section which shows you credit applications and searches that have been carried out. First of all, is there anyway I can find out who has searched my file as there is one on there that I havent a clue who they are (Credit Reporting Agency (API))...

 

Secondly, I'm a bit worried as there have been two searches carried out on the same date but with different reference number by BT (ID)...it says the search purpose was money laundering!

 

I dont have an account with BT. I had a BT phone line at my old address but it was in my ex-partners name. The search was on my current address in March 2006.

 

I dont have a very good credit score any way but could this affect it? I have no idea why they'd be searching my credit file, especially for money laundering.

 

Do I need to do anything about this? Should I be worried??

Halifax

 

S.A.R - (Subject Access Request) sent - 30/1/2007

Prelim letter sent asking for total of 1571.52 - 15/3/2007

LBA sent 30/3/2007

court papers filed

Offer letter received - £1495.13

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It may not be the phone company, as a search I had from them a few years ago was 'BriTel', so it could be something else. The firm that provided you with the search data should be able to confirm whohas searched AND provide their contact details.

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  • 4 weeks later...

The company in question seems to be these bunch of blighters-

https://www.creditreporting.co.uk/b2b/hotlinks/HTMabout.asp

 

The company who did a search, BT(ID), are-

:: BT Auto-ID Services ::

 

A massive company like BT have their fat, porky, fingers in all sorts so it may take some deduction to determine why or how they searched you.

 

Anyway, depending on your circumstances, you may just have to accept defeat to bad credit and accept that for at least the next six years you can't do nowt. I have.:(

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