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Change password if you haven’t already. Just in case your details were farmed from Experian.
More likely your details have been farmed from an easier source, probably an online shop or an old app you used with weak security. Google Password Manager in Chrome and iOS both give you breach notifications in settings. May be worth checking those in case there’s a clue there. Also check your email addresses on haveibeenpwned in case there’s been a recent breach.
I for some reason have an Experian credit check subscription (prob left over from prep for remortgaging), and have just received notifications that credit checks have been run for eligibility for credit cards from ‘Zopa’ and ‘Vanquis’, which appear to be budget loan/card hawkers.
Am I being defrauded? Probably yes. What do I do now?
The Experian website has a ‘lock credit’ feature that claims to temporarily block any credit searches, but the button to activate it doesn’t seem to do anything.
How can I stop this shit from happening?