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19 with bad credit because of identity theft?


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Hi Guys

 

i had a default on my credit report for £455 from shop direct which was opened in 2013

i would have been 17 at the time so there was no way i could even obtain credit.

 

I have sent my passport details in to shop direct for proof and they have taken the default off my account

 

my only problem is now my credit score is 208 which is very poor

the only two things i have on my credit report are my phone contract and my credit card.

I pay these every month and on time

 

my credit card is paid off as i only had a £200 limit

capital one offered to up my limit but i dont need it

i turned down their offer.

Why is my credit report still the same as when the default was on there

 

also when i go on to closed accounts it shows shop direct

would that still be having an affect on my credit report.

 

I dont know what do as me and my boyfriend were planning on buying a house this year and by the looks of things that wont be happening now.

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Start off by sending an SAR to shop direct.

Send a letter of complaint to the CRA explaining exactly what has happened and that at least you want a marker placed on you file.

Contact Action Fraud and get a crime reference number.

 

Let us know what you get on the SAR.

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