Credit Check Help

[andoclaire]

Hi,

I really hope someone can help, as I'm coming up against a brick wall!

Is there way that I can check if a company has had debts (credit cards) registered against it? Also the company address?

Thank you.

 

[intheTRADE]

There are lots of ways. The most common being using a credit reference agency such as Experian or Creditsafe

 

[andoclaire]

We use Creditsafe and they can't provide this service, just suggested that we speak to a solicitor. At this point I'm trying to find evidence of anything that has been taken out. If that makes sense.

 

[Mark T Jones]

There is no reliable way of checking a trading address other than turning up.

the registered address - which must a a real address should be available on all correspondence and at Companies House.

Reference agencies won't identify individual sources of debt & will only show info on an historic basis - so I guess the answer is no.

 

[Mr D]

Perhaps if you gave reason why this info is wanted someone can suggest different methods?

 

[andoclaire]

We have found evidence that an employee has been using the company and/or address to obtain credit cards. Before it's taken any further, we want to check exactly what has been registered.

I've just spoken to Experian, and they can't help either.

It just seems a little crazy that you can't find out what your company name & address has been used for.

 

[Mr D]

Write to the credit card companies - all of them?

 

[andoclaire]

Write to the credit card companies - all of them?

I think we're going to have to unless I can find another way. It's very frustrating.

 

[The Byre]

I suggest something along the lines of -

To -
Easycredit-for-Morons Ltd.,
12, Railway Cuttings,
East Cheam.

Sirs,

We have reason to believe that your company may have issued a credit card to, or otherwise entered a credit agreement with one

Avignon Goatposture,
23, Toad Lane,
Scunthorpe.

We also believe that our company address may have been used.

This person was an employee but is no longer in our employ. Mr Goatposture did at no time have any powers of procura or be in a position to engage in credit arrangements of any sort on our behalf. We can therefore not be held morally, circumstantially or legally responsible for any debts incurred by Mr. Goatposture at any time.

Yours, etc.

 

[Financial-Modeller]

You'll obviously need to sack the employee and report the crime to the Police.

Get expert HR advice to determine the correct order of events from an HR perspective.

 

[andoclaire]

So I have got a little further with this, and thought I would share my information in case it's useful to anyone in the future.

I credit card, or any other form of credit, can't be taken out with a business address as the name needs to tie up with the address on the electoral roll. But what can then happen is that the address is changed, to literally any address, and no further checks will be made!

It's really, really hard to find out what credit is linked to your business name or address! We have been advised to use the legal aid on our business insurance, and they can find out. But I'm not sure how, or even if this is feasible. Yet....