Credit Report FAQ
Report the incident to the police, especially if it
involves stolen identification documents. Insist on receiving a crime reference number, or
some documentation to record the incident.
Contact the CIPHERS Protective Registration Service and
get a CIPHERS entry put on your report for protection. The CIPHERS website is
Contact all the organisations involved. Keep a written
record of all your actions, for example who you spoke to and the date and time, and copies
of letters sent and received.
If a passport or driving licence is stolen or lost then
report it to the authorities as soon as you discover the loss. Also report any suspicious
Report all stolen cheques or cards to the issuers, and
request new ones. Follow up telephone calls with written notification. Get new cards,
account numbers, and Pins if you use credit or other plastic cards to access banking
services. Do not continue to use a compromised PIN.
Notify the Post Office if you suspect mail theft or
suspect a mail redirection has been fraudulently set up on your address. They have an
investigations unit that can help you.
If you suspect your personal information has been used by
someone else requesting a copy of your credit report to see any credit applications and
accounts opened in your name. You can then ask the credit reference agency to help you to
liaise with the lenders involved and make sure you are not affected by the fraud. If the
fraudster is still using your details, the credit reference agency may be able to add a
security feature to your credit report.
full list of FAQ