someone ordered a credit card in my name !!

[Space]

I just received a letter from Capital One saying my application for a credit card was refused.
The problem is I never asked for a credit card.
Someone ordered it for my old address, but the reply was redirected to my new address.

What can I do?

I want whoever did this to be punished.
( and then find out why my credit scoring is so bad... )

[RATTER15]

You need to inform the police immediately, they may be up to a load of other stuff.

[naz_nomad]

I'd go along with that ... send the Rozzers round

[Space]

can you guys remind me how to call the police from abroad?

[bob57]

space get in touch with capitol one and explain the situation with them and ask them to get the police involved as it may affect your credit rating

the reason why your credit score is low is probably the same person or another person has stole your identity and given you a bad rating

[Mrs_Pegasus]

I agree that a crime has been committed.

But, remember this person may not have had all the necessary information on Space and therefore that could be a reason for refusing. Many lenders first check is the register of electors, if Space was not showing at that address then they would have asked for a previous address and the chances are whoever has applied would not know that. There are so many factors that may result in a refusal but its not necessarily the fact Space has a poor history.

P.S. There is no such thing as a credit score. Scores are used by individual lenders and not shown on a credit history report.

[elainejo50]

You do need to get in touch with the police to report this but also get onto credit expert you can go to their website and register you have to pay a yearly susbscription but it will tell you all about your credit history and lists who has been checking you for credit and where it has been applied for alternatively and cheaper is send �2 to experian they will send you your credit report - Good luck

[saxy_jag]

As well as informing the police, tell the credit card company. They should be able to circulate details to other companies.

[Eve]

Try this...http://www.identity-theft.org.uk/what-if.htm.

You can get a guard on your credit for a small (but well worth it) fee.