Mom destroyed daughter’s credit score with fraudulent bank card accounts


A WOMAN used her 18 year old daughter’s name to open credit accounts with various stores and organizations.

Blackburn magistrates learned that Paula Pickup had failed to honor payments on the numerous accounts. Her daughter’s credit rating had been destroyed.

Pickup, 50, formerly of Barn Meadow Crescent, Rishton, but now living in Warrington, pleaded guilty to 11 counts of fraudulently opening accounts with the intent of making a profit. She was remanded in custody for the preparation of a pre-sentence report.

The court heard that the accounts were opened between 2015 and 2020 with companies including Argos, Shop Direct, Virgin Media Telecom, Studio Mail Order, JD Williams, Sky, Next and Paypal Credit Card.

Graham Tindall said the total value involved was £ 2,174.

“The credit was taken on behalf of his daughter and it seriously damaged her credit rating,” Tindall said.

“There has been a breach of trust and it is clear that the credit rating is going to take some sort of triage.”

Jonathan Taylor, in defense, at the time, his client was unable to obtain credit on her own behalf and was in financial difficulty.

In 2015, she used her own bank details and her daughter’s name to open the accounts.

“Ironically, all of the items she bought were ultimately for her children. She wasn’t funding a lavish lifestyle, she was just trying to get things for them.

Mr Taylor said the oldest daughter suffered because her credit rating was affected when her mother couldn’t keep up with the repayments.

“They are still talking, but it has been very difficult,” Taylor said. “My client is deeply ashamed of what she has done.”


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