Credit reports allow lenders to confirm your identity and whether you're a reliable borrower. But one Which? reader had a nasty surprise after falling for a DPD delivery text scam, and then discovering phone contracts had been obtained fraudulently in their name.
Later, when applying for a mortgage, they found a default notice on their credit report. After their mortgage application was refused, we stepped in to help them out. Read the full story here alongside our tips for keeping a close eye on your own credit report.
Scamwatch
Source: Which? (19 Jun 2024)