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.

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

Use the links below and the resulting list of terms on the right to locate the term you are looking for. If you can't locate it, please get in touch.