What to do if your identity is stolen

It can be a shock to discover that your personal information has been stolen. Perhaps you spotted some unfamiliar transactions on a financial statement, you were unexpectedly refused credit or you have received an Equifax alert about a credit search for an application you haven’t made.

If you suspect your information has been used fraudulently let us know so we can investigate on your behalf. A quick response to any unusual information on your credit report is key to limiting any possible damage to your credit score.

  1. Contact lenders. Contact the company where you have seen the unexpected transactions appear and notify them of your concerns. Most will quickly issue replacement cards with new account numbers if needed. You should also inform the police if fraudulent activity is identified.

  2. Report your suspicions. Inform the police and contact us if you think that fraudulent items are on your credit report. As a priority we will investigate the information in question. We will also co-ordinate with the two other UK credit reference agencies: Experian and CallCredit.

  3. Check your financial statements. Continue to check all your statements thoroughly for any unusual transactions.

  4. Register for CIFAS. If you have identified fraudulent activity you can file a Protective Registration notice on your credit file with CIFAS, the UK’s Fraud Prevention Service. This will flag-up to potential lenders that you’ve been a victim of identity fraud, enabling them to take greater security measures with any further credit applications. For more information visit https://www.cifas.org.uk/.

  5. Keep a record. Recovering from stolen identity can be a lengthy process, so you should also keep a record of all of your communications about this incorrect information until the matter is settled. You can also download all your Equifax reports to your own computer by logging in to the Equifax Member Centre.

Equifax Protect helps alert you to potential identity theft

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