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.

Cifas Entry

What is a Cifas Entry?

A Cifas Entry (sometimes referred to as a Cifas Marker) on your Credit Report is a potential fraud warning, visible to prospective lenders to make them aware that you may be vulnerable to fraudulent attempts to take out credit in your name.

Having a Cifas Entry means that any application for credit or other financial services from the address may be subject to further checks to validate the details given and to confirm the identity of the applicant.

Once your details have been confirmed, and the lender is happy that you are who you say you are, you should be able to proceed with your application as normal.

These entries are there for your protection and should not hinder your ability to take out credit. The only time it may be an issue is if you attempt to take out a form of credit that is automatically processed, such as store finance. Because the entry needs to be manually reviewed, automated systems cannot process this.

You may see the two following Cifas Case Types appearing as entries on your credit report:

  • Protective Registration, which you have to request yourself and is a paid for service
  • Victim of Impersonation, which is filed by your lender for your own protection if you have been the victim of identity fraud.

The amount of time a warning remains on your credit report can depend on several factors depending on the actual/attempted fraud. If you purchase a Protective Registration, this will remain on your credit report for 2 years and must be renewed at the end of that period if you want to keep it on your report. A Victim of Impersonation entry will remain visible on your report for 13 months from the date of entry.

Q: How do you remove a Cifas Entry?

A: Information that appears on your Credit Report in error can usually be removed by contacting the lender that is reporting it, however if they deem that their reasoning is valid, they are unlikely to change their entry on your report. If a lender thinks it is likely there has been a fraudulent attempt made on your Credit Report, they are legally obliged to report this to the Credit Reference Agencies.

It is worth remembering that these markers are there to protect you, and if you have been a victim of fraud, or an attempt has been made, these are in place to safeguard you and prevent it from happening again.

Q: How does it affect my Credit Score?

A: Having a Cifas Entry on your Credit Report will not have any effect on your Credit Score and it won’t stop you from being able to take out credit.

Q: How can I check to see if I have a Cifas Entry?

A: Any entries will appear on your checkmyfile Credit Report, along with information about which lender reported any suspected fraud activity and which Credit Reference Agencies are reporting them.

If you haven’t already, you can try checkmyfile FREE for 30 days , then for just £14.99 a month afterwards, which you can cancel online at any time.

Jargon Buster

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