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 Cifas?

Cifas is a not-for-profit fraud prevention service that helps consumers and lenders protect against credit fraud and identity theft. Founded in 1998, Cifas is one of the UK’s primary fraud prevention services, along with National Hunter, and states its goal is ‘to detect, deter and prevent fraud in society.’

Currently Cifas has more than 400 members from the banking industry including credit cards, asset finance, retail credit, mail order, insurance, savings and investments, telecommunications, factoring, and share dealing. These organisations share evidence of identified fraud with Cifas.

Since the Serious Crime Act 2007 came into effect, public authorities are now able to join Cifas, provided they are able to reciprocally share information. This is because Cifas members share information relating to fraud with Cifas, in exchange for access to Cifas’ vast fraud database. The relationship is based on ‘principles of reciprocity’.

Only two types of Cifas warnings, known as Cifas Case Types, are visible to consumers on Credit Reports: Protective Registration and Victim of Impersonation.

To see all the information that is held on you, you can submit a Subject Access Request to Cifas, under section 15 of the General Data Protection Regulation and under section 45 of the Data Protection Act 2018.

Q: What does Cifas stand for?

A: Cifas stands for Credit Industry Fraud Avoidance System

Q: Does a Cifas warning look bad on my Credit Report?

A: 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, and are not permitted to be included in any automated credit scoring or lending decision processes.


Jargon Buster

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