Questions and answers

Get your FREE Experian credit report and score!*

CreditExpert Logo

  • Free Experian Credit Report*
  • Free Experian Credit Score*
  • Free email and text alerts
  • Dedicated UK based call centre

Checking your Experian credit report will not lower your score!

If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Find out how to protect yourself from identity fraud and what to do if you're a victim.

What can I do to help protect my elderly mother’s address?

Dear James,

My elderly mother lives on her own, generally does not go out much & keeps her curtains drawn all the time. Over the past nine months she has started to receive letters chasing people for various loans at her address. My observation is that people have perceived my mothers house as empty and seen it as an easy target. Yesterday she received letters from a Civil Recovery Specialist chasing somebody for associated costs following shoplifting. The company said that the police should have verified the criminal’s address. Although I have since written to the police to ask if or how they verified their address, my mother is at the point where she needs to somehow find out how many people have used her address for purchasing financial/credit services or for other fraudulent use. If this is possible she would ideally like to put a note against the property to state only Mrs X & Mr Y live at this address thus rejecting any finance/credit applications being made against her address by others. Please could you advise?

Mr Tamber, Derby

Mr Tamber,

I can understand your mother's concerns - this must be a real worry for her. Let me start by putting your minds at rest on one important issue. Credit checks are these days made on people and not addresses, so any financial information registered at your mother's address about other people would not show up if she applied for credit. The only way credit reports can become linked is by joint financial activity, such as two people applying for credit together, so your mother has no need to worry about her own credit rating. While you can register information on your own credit report, you can't add information to someone else's, for understandable reasons. The best advice I can give is to return any post that arrives addressed to other people to the senders, clearly marked 'wrong address or fraud'. The organisations should then investigate and take any appropriate action. I hope this helps.

James Sign

  • © 2014 Experian. All rights reserved