FREE Multi Agency Credit Report
See more than twice the information compared to any other UK Credit Report
Our Credit Report Monitoring service features:
Multi Agency Credit Reports
FREE checkmyfile Credit Scores & Ratings
FREE Identity Theft Assistance
Independent, Impartial, Expert Advice
Don't get caught out
Check your credit report for FREE
More about Multi Agency Credit Reports
The UK’s fraud prevention service, founded in 1988 by lenders looking to reduce fraud losses. CIFAS currently has around 270 members from the banking industry including banking, credit cards, asset finance, retail credit, mail order, insurance, savings and investments, telecommunications, factoring, and share dealing. These members provide information on identified frauds to CIFAS, which is a not for profit organisation, set up to prevent further fraud and financial crime. Since the Serious Crime Act 2007, public authorities are now able to join CIFAS, provided they are able to reciprocally share information.
Only two types of CIFAS warnings, known as CIFAS Case Types, are visible to consumers on credit reports. These are Protective Registration and Victim of Impersonation.
Protective Registration is commonly used if a consumer has been a victim of identity fraud, or if there is reason to believe that he or she is at risk of becoming a victim.
CIFAS warnings are never a cause for an application to be declined, but do require the lender to carry out extra verification checks to establish the identity of the applicant.
For this reason CIFAS fraud warnings are not classed as adverse information on credit reports, are not permitted to be included in any automated credit scoring or lending decision processes.
See also Subject Access Request and Hunter.
Use the links below to locate the term you are looking for. If you can't locate it, please get in touch.