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jayneH666
Beginner

on ‎24-03-2023 13h13

2,692 Views
Message 1 of 2

Hard credit application search on my file - no order placed with BT - after phone repair?

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Please Help!

A BT credit hard search has appeared on my credit rating.

It is clearly a fraudulent one as the wrong DOB and title was used.

However, it has still been recorded against me.

Can you tell me how to find out more about this fraudulent credit request? and where it came from?

I have my phone screen repaired on the same day - have they stolen my details??

Thanks for any info!

 

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-Richie-
Guru

on ‎24-03-2023 13h30

2,680 Views
Message 2 of 2

Re: Hard credit application search on my file - no order placed with BT - after phone repair?

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You would need to dispute this with the credit agency recording the hard check, BT use 2 credit reference agencies:

  • Experian
  • Equifax

 

How to query your credit file

Both agencies must response to a query within 28 days.

Equifax

Contact Equifax:

  • Online - visit the Equifax website
  • By phone - call 0800 014 2955
  • By post - write to Equifax Ltd, Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
Experian

Contact Experian:

  • Online - visit the Experian website at www.experian.co.uk
  • By phone - calll 0344 481 8000
  • By post - write to Experian Headquarters Talbot House, Talbot Street, Nottingham, N80 1TH
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