When we left my credit report story I had a credit score of 618 out of 710 and what I thought was a store card that had just gone into early arrears, which wasn’t even mine, but which I had disputed with noddle.co.uk. This is how it played out.
In October 2016 I received a letter from noddle stating:
So just who is this Shop Direct Finance Company Ltd? Well it turns out they own very.co.uk, littlewoods.com and a few others. They also have a dedicated identity theft team. The first question I’m asking myself after finding this detail is if you need a dedicated identity theft team maybe as a company you need to improve your security... Just in case it ever happens to a reader the phone number to contact the identity theft team is 0800 0151 290.
Click to enlarge, My credit score and credit rating in September 2016
In October 2016 I received a letter from noddle stating:
“Further to our previous correspondence about case referenceWhile I was waiting for that response those early arrears became sustained arrears resulting in my credit rating falling from 618 to 572 out of 710., we can confirm that Shop Direct Finance Company Ltd has not supplied a response to the dispute raised on your behalf. Callcredit [this is noddle] is unable to amend an entry without the permission of the organisation responsible for supplying it and as a result, we cannot assist you further with this dispute. We would advise you to contact Shop Direct Finance Company Ltd [the store card] directly in order to discuss this matter...”
Click to enlarge, My credit score in October 2016
So just who is this Shop Direct Finance Company Ltd? Well it turns out they own very.co.uk, littlewoods.com and a few others. They also have a dedicated identity theft team. The first question I’m asking myself after finding this detail is if you need a dedicated identity theft team maybe as a company you need to improve your security... Just in case it ever happens to a reader the phone number to contact the identity theft team is 0800 0151 290.