Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • herewego10inarow
    • By herewego10inarow 12th Oct 16, 10:17 AM
    • 12Posts
    • 0Thanks
    herewego10inarow
    Please help! Cifas , fraud marker, good credit score
    • #1
    • 12th Oct 16, 10:17 AM
    Please help! Cifas , fraud marker, good credit score 12th Oct 16 at 10:17 AM
    Hi all in need of some advice as I am really struggling to sort this mess out .

    Firstly I have a decent credit score even though I have never had any credit. I have 0 defaults and my only negative on my credit file is that I don't have a credit card. I can't get a bank account , car insurance , or any credit whatsoever as I get rejected for everything. I am 26 on the electoral roll for ages at same address. Having posted once on this forum before I was informed about cifas and that I may have a fraud marker against my name . This would make sense as I have had my identity stolen about 5 years ago (someone was driving around registering vehicles in my name and taking out insurance policies using my details) the police are aware of this however it never went to court.
    I have not yet contacted cifas to see what details they hold about me (if any) however after registering for noddle and being told they have a section about cifas markers , my file on noddle shows that I have no cifas markers. Is noddle 100% accurate? Are there other agencies which may hold information on myself and maybe have registered a fraud marker?
    I am really at the end of my tether with this , I believe it must be a fraud marker but is there anything else it could be why i get refused for even a basic bank account ? Also if it is a fraud marker is there any way of getting it removed ? As I said earlier the police are aware my identity has been stolen.

    Thanks in advance , if any more information is needed will be happy to provide it
Page 1
    • zx81
    • By zx81 12th Oct 16, 10:50 AM
    • 9,343 Posts
    • 9,170 Thanks
    zx81
    • #2
    • 12th Oct 16, 10:50 AM
    • #2
    • 12th Oct 16, 10:50 AM
    Contact CIFAS to understand if you have a marker.

    Check all three of your credit files to see what is on there.

    Ignore your credit scores entirely - they mean nothing. If you have on credit history at all, and a potential CIFAS marker, you are going to find things tough.

    What credit have you applied for to date?
    • herewego10inarow
    • By herewego10inarow 12th Oct 16, 10:56 AM
    • 12 Posts
    • 0 Thanks
    herewego10inarow
    • #3
    • 12th Oct 16, 10:56 AM
    • #3
    • 12th Oct 16, 10:56 AM
    I have checked all credit files possible. I am yet to contact cifas but will do that today. I have tried to open a basic bank account about 8 months ago and did not get accepted. I done the MSE eligibility calculator for credit cards on here was 100% likely to get accepted for several according to the calculator . Applied for one and got rejected. Also tried to get a very account to build my credit was also rejected. These were all spaced out months apart and not all done over a short period. I cannot get car insurance in my name either as that gets declined. If I have no markers on cifas are there other companies who may have placed a marker on me ? And how would I go about getting said marker removed? How long would marker stay on for ? Thanks again
    • Candyapple
    • By Candyapple 12th Oct 16, 12:25 PM
    • 1,479 Posts
    • 1,174 Thanks
    Candyapple
    • #4
    • 12th Oct 16, 12:25 PM
    • #4
    • 12th Oct 16, 12:25 PM
    You need to send a subject access request to CIFAS and pay £10:
    https://www.cifas.org.uk/sf_sars

    National Hunter is the other one:
    http://www.nhunter.co.uk/SAR.pdf

    Insurance companies also have a blacklist however you would need to work in insurance to be able to access it. Sort out whether you have a CIFAS marker first.

    You would need to apply to the company who applied the marker to get them to remove it. If they refuse, you'll need to contact a solicitor and start legal action. CIFAS markers last 6 years.
    • molerat
    • By molerat 12th Oct 16, 12:29 PM
    • 15,025 Posts
    • 9,378 Thanks
    molerat
    • #5
    • 12th Oct 16, 12:29 PM
    • #5
    • 12th Oct 16, 12:29 PM
    National Hunter maybe ? http://www.nhunter.co.uk/

    edit: beaten to it
    www.helpforheroes.org.uk/donations.html
    • MABLE
    • By MABLE 12th Oct 16, 12:33 PM
    • 3,060 Posts
    • 1,614 Thanks
    MABLE
    • #6
    • 12th Oct 16, 12:33 PM
    • #6
    • 12th Oct 16, 12:33 PM
    Hi all in need of some advice as I am really struggling to sort this mess out .

    Firstly I have a decent credit score even though I have never had any credit. I have 0 defaults and my only negative on my credit file is that I don't have a credit card. I can't get a bank account , car insurance , or any credit whatsoever as I get rejected for everything. I am 26 on the electoral roll for ages at same address. Having posted once on this forum before I was informed about cifas and that I may have a fraud marker against my name . This would make sense as I have had my identity stolen about 5 years ago (someone was driving around registering vehicles in my name and taking out insurance policies using my details) the police are aware of this however it never went to court.
    I have not yet contacted cifas to see what details they hold about me (if any) however after registering for noddle and being told they have a section about cifas markers , my file on noddle shows that I have no cifas markers. Is noddle 100% accurate? Are there other agencies which may hold information on myself and maybe have registered a fraud marker?
    I am really at the end of my tether with this , I believe it must be a fraud marker but is there anything else it could be why i get refused for even a basic bank account ? Also if it is a fraud marker is there any way of getting it removed ? As I said earlier the police are aware my identity has been stolen.

    Thanks in advance , if any more information is needed will be happy to provide it
    Originally posted by herewego10inarow
    There is a fine example how useless a decent credit score is.
    • herewego10inarow
    • By herewego10inarow 12th Oct 16, 12:46 PM
    • 12 Posts
    • 0 Thanks
    herewego10inarow
    • #7
    • 12th Oct 16, 12:46 PM
    • #7
    • 12th Oct 16, 12:46 PM
    Would my SAR from cifas tell me what company applied the marker?

    As said earlier my noddle credit report shows I have no cifas markers. Is this usually accurate?
    • Candyapple
    • By Candyapple 12th Oct 16, 1:25 PM
    • 1,479 Posts
    • 1,174 Thanks
    Candyapple
    • #8
    • 12th Oct 16, 1:25 PM
    • #8
    • 12th Oct 16, 1:25 PM
    Would my SAR from cifas tell me what company applied the marker?

    As said earlier my noddle credit report shows I have no cifas markers. Is this usually accurate?
    Originally posted by herewego10inarow
    Yes it should tell you what company applied it (if there is one).

    No, the Noddle reports in that respect are not accurate; I've read threads on here before where people thought they didn't have a CIFAS marker because they checked their Noddle report, however when they sent off a SAR only to find that they did.
    • john1002
    • By john1002 13th Oct 16, 9:51 PM
    • 766 Posts
    • 306 Thanks
    john1002
    • #9
    • 13th Oct 16, 9:51 PM
    • #9
    • 13th Oct 16, 9:51 PM
    Noddle and all the other agencies only show CIFAS markers on credit reports that relate to identity theft not any thing to do with fraud, hence when you have checked it shows nothing.

    john
    • Anthorn
    • By Anthorn 13th Oct 16, 11:05 PM
    • 2,487 Posts
    • 637 Thanks
    Anthorn
    "Marker" is the new MSE word of the moment, "Cifas Marker" , "Minimum Payment Marker" etc., etc., etc.

    A CIFAS warning warns lenders that you've been a victim of fraud and to be careful to validate your identity. It can be inserted by lenders or voluntarily by yourself. It doesn't say you've committed fraud yourself and shouldn't affect credit applications.

    If you have been a victim of fraud the CIFAS warning is a good safeguard against further fraud.
    Saving for Xmas 2017 - A pound a day - 30/365

    Just because you're paranoid doesn't mean that someone isn't out to get you

    Unsliced bread: You can have it any thickness you want! The wonders of modern technology.
    • herewego10inarow
    • By herewego10inarow 23rd Oct 16, 9:08 AM
    • 12 Posts
    • 0 Thanks
    herewego10inarow
    So a quick update on current situation...

    Applied for an aqua credit card couple of weeks ago and to my amazement card and pin dropped through the letter box on Friday! So happy, finally managed to get some sort of credit to start rebuilding and managing my money. Considering only a year ago I couldn't get a basic bank account or car insurance to now get a credit card is a big step forward.

    But this has left me wondering, does this mean i don't have a CIFAS? Surely aqua would not have given me a credit card if I had any sort of marker with a fraud agency ? Have sent 2 SAR requests away one to national hunter and the other to CIFAS done this about 7 days ago. So at the moment just waiting on my SAR coming back in the post. How long does this usually take ? Am I right in thinking I wouldn't have got a credit card with a fraud marker ?

    Anyway over the moon at the moment with my credit card gives me the start I need to rebuild and work my way towards a mortgage !
    • A4445
    • By A4445 23rd Oct 16, 10:13 AM
    • 460 Posts
    • 220 Thanks
    A4445
    I was subject to CIFAS marker, someone took out a mobile contract in my name. It was dealt with and the marker was added for 12m some applications were automatically referred. They wanted to ask some questions to make sure it was me applying.
    • Candyapple
    • By Candyapple 23rd Oct 16, 10:59 AM
    • 1,479 Posts
    • 1,174 Thanks
    Candyapple
    So a quick update on current situation...

    Applied for an aqua credit card couple of weeks ago and to my amazement card and pin dropped through the letter box on Friday! So happy, finally managed to get some sort of credit to start rebuilding and managing my money. Considering only a year ago I couldn't get a basic bank account or car insurance to now get a credit card is a big step forward.

    But this has left me wondering, does this mean i don't have a CIFAS? Surely aqua would not have given me a credit card if I had any sort of marker with a fraud agency ? Have sent 2 SAR requests away one to national hunter and the other to CIFAS done this about 7 days ago. So at the moment just waiting on my SAR coming back in the post. How long does this usually take ? Am I right in thinking I wouldn't have got a credit card with a fraud marker ?

    Anyway over the moon at the moment with my credit card gives me the start I need to rebuild and work my way towards a mortgage !
    Originally posted by herewego10inarow

    It could be that where you said the ID fraud happened 5 years ago that your CIFAS marker may have reached the 6 year limit and expired/been removed thus Aqua accepting your application.

    Or have you seen copies of your Experian and Equifax files too to see if there was any conflicting information on those?

    It doesn't make sense otherwise that you weren't able to open a bank account/car insurance etc. Update the thread once you have received the CIFAS info back. If it comes back clear, then try again for a bank account and see what happens.
    • rtho782
    • By rtho782 23rd Oct 16, 11:38 AM
    • 624 Posts
    • 398 Thanks
    rtho782
    There is also Synetics Solutions.

    I'm on their systems because Coop bank decided an application I made years ago was possibly fraudulent. They didn't tell me this, just declined and I moved on.

    3 years later certain car insurance companies won't insure me because Coop incorrectly thought I was committing fraud with no evidence 3 years ago.

    There is nothing I can do, because Synetics have only recorded that coop SUSPECTED fraud (which is accurate) and coop won't change the data, and the FOS and ICO don't care.

    So, through no fault of my own I pay about 25% more for car insurance and can never do anything about it.
    Deposit Saved since 01/12/15: £13,000 / £15,000 House Bought!

    Debt Cleared since 01/12/15: £6,000 / £7,500
    • herewego10inarow
    • By herewego10inarow 23rd Oct 16, 5:51 PM
    • 12 Posts
    • 0 Thanks
    herewego10inarow
    Ok guys thanks for the help will update the thread when I receive my SAR from cifas/national hunter
    • Ed-1
    • By Ed-1 23rd Oct 16, 6:08 PM
    • 1,495 Posts
    • 808 Thanks
    Ed-1
    There is also Synetics Solutions.

    I'm on their systems because Coop bank decided an application I made years ago was possibly fraudulent. They didn't tell me this, just declined and I moved on.

    3 years later certain car insurance companies won't insure me because Coop incorrectly thought I was committing fraud with no evidence 3 years ago.

    There is nothing I can do, because Synetics have only recorded that coop SUSPECTED fraud (which is accurate) and coop won't change the data, and the FOS and ICO don't care.

    So, through no fault of my own I pay about 25% more for car insurance and can never do anything about it.
    Originally posted by rtho782
    Did you do a SAR to Syectics and it shows a 'refer' status against the Co-op application? One refer status shouldn't harm an application. It's when there's lots of them that it may impact applications.
    • rtho782
    • By rtho782 4th Nov 16, 5:06 PM
    • 624 Posts
    • 398 Thanks
    rtho782
    Did you do a SAR to Syectics and it shows a 'refer' status against the Co-op application? One refer status shouldn't harm an application. It's when there's lots of them that it may impact applications.
    Originally posted by Ed-1
    Yup, I did, there is only the coop issue on there.

    The car insurance company in question, Skyfire Insurance, just automatically (not reviewed by a human) decline if anything is pulled up, which is counter to what Synetics say happens in their FAQ, but according to the Ombudsman is between Skyfire and Synetics and I have no right to complain about it!
    Deposit Saved since 01/12/15: £13,000 / £15,000 House Bought!

    Debt Cleared since 01/12/15: £6,000 / £7,500
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,082Posts Today

8,474Users online

Martin's Twitter
  • RT @itvMLshow: Tonight #MartinLewis looks into our family finances; Marriage tax allowance, student loans and child tax credit, 8pm on @ITV?

  • Don't forget 8pm tonight ITV - should be a good show. As always my aim is to, in effect, pay you to watch #martinlewis money show

  • RT @bbc5live: After midday, money-saving @MartinSLewis will be here to answer your financial questions ????https://t.co/UQMSd5TKbb https://t.?

  • Follow Martin