If you have been the victim of a mugging or burglary and personal identification documents have been stolen, there is a risk that they could be used fraudulently by the thief to obtain credit or other products and services in your name. For an annual administration fee of £12 + VAT CIFAS offers a service to protect your name and personal details from being misused in this way.
You can also contact any one of the three credit reference agencies and receive assistance in resolving credit report related problems caused by identity fraud.
Callcredit
Email: vof@callcreditgroup.com
Phone: 0870 060 1414
Experian
Email: consumer.helpservice@uk.experian.com
Phone: 0844 481 8000
Equifax
Phone: 0800 121 4752
You will receive the following assistance from them all:
•Advice about how to protect from further identity compromise and any other relevant steps you should take e.g. adding a password to credit information to be requested by lenders should they receive any further credit report applications in your name.
•Credit report related issues will be case managed and you have the option to contact any of the three credit reference agencies by telephone number, e-mail or in writing.
•The credit reference agencies will contact lenders on your behalf where fraudulent applications have been made or fraudulent credit accounts opened in order to restore your credit history to its former state.
•The credit reference agencies will keep you informed about progress and advise you of amendments to your credit report.
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