Yes it’s true. You could wake up with 700 credit loans owed.
Even a Mail man can get your name and address along with your dob
Cifas is closed.
Payday loans could be transferred into a random bank without having to wait for any post and they don’t even ask for a job just name and dob and address
And a bank account in the name matching the application.
You’re scaremongering.
For postal. Only over the phone but wouldn’t monzo close your account if you got a cifas?
They don’t. I could get a loan paid to Ben smith with the loan being from someone called Maxine Benson
Or online. Are you bored again? 
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Yeah, I meant as it applied to payday loans.
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So you recommend I join cifas?
If you Google someone got a loan in my name you’ll quickly see lots and lots of stuff similar where people’s lives was destroyed just from a name and dob
It says they can be hidden behind your credit rating for up to six years. In extreme cases, this can result in your bank account being closed at short notice, and the resulting problems in finding alternative banking facilities as i felt curious to what the netant guy was talking about
So if I pay the 25 this could happen to me?
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That’s if you’re given a cifas marker.
What @ndrw is talking about is a protective measure.
Oh so it’s not the same? I think it could be a good idea for me to get it then stop my mind from exploding
Just searched myself and I’m not on there however my family is 
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I noticed Experian and credit karma and ClearScore offer a monthly fee for data protection? Is this any good?
Try not to worry and just keep checking your credit files, be wary of anyone else contracting you with personal details as they could be tricking you into something further.
So long as you keep an eye out you’ll more then likely be fine.
Thank you for all the help.
Just say worst case happens: will I be forced to pay any of the damage such as a credit card or loan?
Not unless you do it yourself, no.
Keep a record of what happened today/recently (this forum topic is a good ‘archive’) so that it can be presented in the future to add to evidence if things should go wrong and it is not because of you.
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Does this keep forever if I save the link?
Yes unless the forum gets closed at any point
Ignore the person above they purposefully disrupt discussions and are the last person you should be taking advice from. Just check out their post history 
You’ve been given solid advice already, I wouldn’t worry to much about it now you’re aware 
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