It’s the fraudulent practice of using another person's name and personal information in order to obtain credit. An identity thief gets your personal information by practices like stealing your post, using lost or stolen credit cards, or by telephone and email scams - and then they use your details for their own personal gain.
Charges you don’t recognise appear on your statements
You receive calls or letters from collection agencies
Bills arrive from companies you haven’t dealt with
Your credit report contains accounts that you didn’t open, or applications for credit that you haven’t made
We regularly monitor your credit report for certain changes which could be fraudulent activity - looking for things like new accounts, new applications for credit, and existing accounts falling into arrears. If we spot any of these changes we’ll send you a text or email alert to let you know.
We monitor your personal details for you across the web – and alert you if we find possible misuse. This monitoring for email accounts, banking details, passport and other details is 24/7, and if we find your details being traded or used where they shouldn’t be, we’ll send you a text or email.
Once you’ve seen your Experian Credit Report, contact us. If you’re a victim of fraud you’ll be assigned an individual case worker. When you tell them which accounts and applications are fraudulent – your caseworker will investigate and contact the companies and lenders on your behalf. You can contact your caseworker by phone and email throughout the journey, and they’ll update you when we receive replies from the companies involved.
Once it’s all resolved we’ll continue monitoring your report for up to 12 months for any changes which we think might be fraudulent, and we’ll give further advice and support to help protect you in future as long as you are still with Credit Expert.
You've all been incredibly helpful and wonderful people to talk to about fraudulent financial issues on my account that can be potentially life impacting. It's surpassed my expectations. I thought I was signing up to a big company where issues would fall into the midst, but it feels like you all actually care and work hard to make things right. It's a very refreshing experience.
Everything that could be done was done as quickly as it could be. If I didn't have the help from Experian, it would have been a lot harder to deal with as the police didn't help and the companies that provided the credit to the fraudsters were quick to give credit to the wrong person but slow to resolve it for the victim.
I was very satisfied with Experian Fraud department who helped very quickly. My caseworker was extremely helpful and prompt.
There was immediate concern, prompt action to solve and reassure me that all would be done to resolve my issue. The caseworker was pleasant, reassuring that errors were clearly detected in the false applications. Despite the fact it was only a day or so before Christmas communication with me was frequent, thorough and plentiful .My attempts to contact the company concerned had been totally unsuccessful, but Experian made the initial contact to state my case. The highly professional and reassuring manner of my caseworker has turned a disturbing case of personal identity fraud into a rapidly solved situation, with some precautions in place to hopefully help protect my finances in the future. I shall without doubt continue my membership on into the future
Thank you very much for all the hard work and support. It has been a stressful process but I am glad I used Experian for my credit check and I will definitely be recommending you to my family and friends.