If there are unrecognised accounts or credit application enquiries showing on your credit report, follow these steps to determine whether they are fraudulent:
1. Search for the company name on a search engine - Some banks/lenders share their information with credit reference agencies using a different trading name, so a quick internet search could rule out any concerns about fraud.
2. Check the opening date and payment history of the account - This could provide you with an indication of which of your accounts this may be. It’s not uncommon to see an old account suddenly appear on your credit report, which could be confusing.
3. Check the account number displayed on the account - If it doesn’t match any of your financial accounts, you can raise a dispute with Experian . They’ll be able to investigate this for you.
4. Contact the bank/lender immediately - They will be able to stop any money being taken from your account, freeze your card and start a fraud investigation.
If you’d still like further information about the unrecognised account or enquiry on your credit report, you can raise a dispute to Experian .
If you think you’ve been a victim of fraud, please check out our for guidance.