Credit rating

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NemoFish Posts: 2501
Just wondering did any of you ever have debt collection agencies on to you by mistake. How does this affect credit rating or future mortgage applications.
McDanny Posts: 1435
Don't know the answer but you may get some good advice on Good luck.
originalwoowoo Posts: 867
In the UK I had someone use my details and it caused me a lot of problems. I was refused a loan by the bank and could not understand why so when I checked there was a default against me. I reported it to the police and to the company. Proved it was not me as I was no longer living there and had it removed. It took a lot of time to sort and whilst it was being sorted the bank would not go ahead with the loan, but no problems since. Just a warning to make sure you always change your address on everything when you move!