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 a...

Victim Of Impersonation

Victim of Impersonation is one of the two Cifas Case Types that you can see on your Credit Report and which are also reported to all members of Cifas.

A Victim of Impersonation warning will be registered at Cifas if you have been the victim of an identity fraud attempt, usually after a lender receives a fraudulent application in your name. The fraud warning will be filed for your own protection and won’t have a negative impact on your creditworthiness.

While a Victim of Impersonation warning is protecting your identity, lenders should undertake additional security checks to verify any applications they receive in your details. Because of this, you may experience slight delays when lenders process your applications.

How can I tell if I’ve been a Victim of Impersonation?

If a lender has filed a Victim of Impersonation warning in your name with Cifas, it will appear on your Credit Report in the Fraud Warnings section, once Cifas has shared the information with the UK Credit Reference Agencies.

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.

You’ll get access to your Multi Agency Credit Report, which shows your full information from each Credit Reference Agency, including any recorded fraud warnings.

How do I remove a Victim of Impersonation from my Credit Report?

A Victim of Impersonation marker will be removed automatically from your Credit Report 13 months after the date of submission. If you are looking to dispute a Victim of Impersonation marker, you may wish to contact the lender that recorded it in the first instance. You can find the lender name on your Credit Report.

Protective fraud warnings such as Victim of Impersonation serve only to help you, so there shouldn’t be a need to prematurely remove the warning. One of the only drawbacks of having Victim of Impersonation on your Credit Report is that, because your credit applications require manual assessment, the application process itself may take a bit longer.

Do Cifas markers affect my Credit Score?

Cifas markers, including Victim of Impersonation, are not included in the calculation of your Credit Score, so they have no direct effect. Lenders also do not consider fraud warnings to be harmful markers when assessing your creditworthiness, so you shouldn’t be refused credit based on any Cifas information on your Credit Report.

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