Cifas

What is Cifas?

Cifas is a not-for-profit organisation founded in 1988 by lenders looking to reduce losses as a result of fraud cases. They are the UK’s fraud preventions service, which together with National Hunter helps prevent cases of credit fraud and identity theft.

Currently Cifas have 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, 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.

To see all the information that is held on you, you can submit a Subject Access Request to them, under section 7 of the Data Protection Act 1998.


Q: What does Cifas stand for?

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

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