Jump to content

19 with bad credit because of identity theft?

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1234 days.

If you need to add something to this thread then


Please click the "Report " link


at the bottom of one of the posts.


If you want to post a new story then


Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 



Recommended Posts

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.

Link to post
Share on other sites

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.

Link to post
Share on other sites

  • 3 years later...

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?

  • Create New...