Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

What is...

Application Fraud

Application Fraud is one of several Cifas Fraud Types, where an individual applies for an account, policy, service, or insurance claim using material falsehoods to influence the outcome of the application. These falsehoods could include false employment details, false income, or concealed addresses. The use of a false document (such as a pay slip, bank statement or driving licence) when applying for an account, policy, service or insurance claim would also fall within this category.

Cifas members record and share information about suspected fraud between themselves to combat crime and protect customers’ identity.

Will Application Fraud markers appear on my Credit Report?

Only two types of Cifas fraud markers can appear on your Credit Report: Protective Registration and Victim of Impersonation. As such, an Application Fraud marker won’t show on your Credit Report.

That said, any credit applications themselves will be recorded on your Credit Report, along with the name and address used, the date it took place, and with which lender. If you believe a fraudulent application has been submitted using your name, you can check by viewing your Credit Report.

Your Multi Agency Credit Report is free for 30 days, then just £14.99 per month. Cancel online anytime.

The UK's First Provider Of Online Credit Reports

Launched 21 Years, 35 Million Credit Scores & 8 Million Credit Reports Ago

The UK's First Provider Of Online Credit Reports

Related Jargon