Protective Registration

What is Protective Registration?

Protective Registration is a service offered to consumers by Cifas and by its agents to help to protect those who are under threat or risk of identity fraud.

Cifas charges £25 including VAT per 2 years to add Protective Registration to your file. If not renewed, it will lapse when the 2 year period is over.

If you apply, then any Cifas member that searches your Credit Report will be warned that Protective Registration has been placed against your name. Cifas members will see "Cifas-DO NOT REJECT-VALIDATION REQUIRED".

Cifas Members are then required to make additional verification checks to ascertain that the applicant is genuinely you. You may experience delays while your application is verified while Protective Registration is recorded at Cifas.

As Protective Registration is only visible to Cifas members, you may instead consider placing a Notice of Correction on your credit report, asking lenders to take extra care in authenticating your credit applications. This costs nothing, remains on your credit report until you remove it, and reaches all users of Credit Reference Agencies and not just Cifas members. As such, you will need to submit a suitable Notice of Correction to each Agency individually.


Q: Is it a good or a bad thing?

A: That depends on what you’re using it for. If you’re protecting your account against genuinely fraudulent activity it’s a very good thing, however it might make applying for store credit difficult if your credit file has to be manually assessed.

Jargon Buster

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