We've had cases here where fraudsters have arranged to have post redirected so the victim was unaware of what was going on.



>From working for a financial institution, I know that by law, if your credit is checked and you are refused credit, the company must notify you of the reason and the source of the information which denied you credit. As long as your address is correct, you should be receiving those notices (if in fact you were ever denied credit). You can also opt-out so you don't receive any unsolicited credit offers. I think you are correct that you have to pay a fee to a company which will notify you whenever your credit is checked (it is an additional service and not required by law). Or you can put a security freeze on your information which is better (and free), but you must remove it if you want to receive credit from a 3rd party:
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>https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit15#security
>
>
>http://www.ftc.gov/bcp/conline/pubs/alerts/optoutalrt.htm
>http://www.ftc.gov/bcp/conline/pubs/buspubs/credempl.htm
>http://www.e-renter.com/notice.php
>http://www.faqs.org/docs/consumer/credit.html
>
>>>That service is available here. However, most probably don't take advantage of it. Perhaps the same is true of England?
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>>I'm not sure the ropes are the same. You probably have to pay for it, and you don't get notified by default. Suppose you want to know who is asking for your credit status - you have to jump through several hoops. First, you need to know it's available. Then, you need to find where, then send them a request, probably pay some (or get it for free and have your address sold to a dozen advertisers), and you still don't get notified the next time. Or maybe you do, and you're also charged for that separately.
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>>And I know this only superficially, because I once stumbled upon a website of some outfit which offers such a service - and since they advertise, they sell. This is completely different from a legal obligation of whoever delivered the report on you to send you a copy and identity of the requester.