Equifax

sutton111

is it a CIFAS marker or just a search.

Tori_Bellatrix

debtdestroyer007 wrote: »

i applied for a card 3 weeks ago and got refused. today i have this fraud check appearing on my file, i am phoning them tomorrow as there is no reason why they should check my file again 3 weeks after th original application was declined.

just applied for barclaycard platinum though and got accepted online straightaway.

sygma bank are scumbags!!!!!

I know what you mean, I got accepted for an Egg card on exactly the same data that Sygma have turned me down for ... ah well, their loss ... lol ...

Let us know how you get on with them ...

debtdestroyer007

was just a search.... sygma bankuk fraud

i work in insolvency and have worked in fraud before and i am referring to next level fraud investigation.

these monkeys dont know what application fraud is, if they hire me ill train their staff to spot application fraud- not bragging at all.

sutton111

lol let us know what they tell you tomorrow.

moneysavingallday

debtdestroyer007 wrote: »

was just a search.... sygma bankuk fraud

i work in insolvency and have worked in fraud before and i am referring to next level fraud investigation.

these monkeys dont know what application fraud is, if they hire me ill train their staff to spot application fraud- not bragging at all.

LOL. How can one spot a fraudulent application then? what are the telltale signs?

debtdestroyer007

quite a few
for eg
high score compared with inadequate reference info obtained.

TheAnalyst

debtdestroyer007 wrote: »

was just a search.... sygma bankuk fraud

i work in insolvency and have worked in fraud before and i am referring to next level fraud investigation.

these monkeys dont know what application fraud is, if they hire me ill train their staff to spot application fraud- not bragging at all.

That's odd, mine is Creation Financial Srvs Ltd (Fraud) :rolleyes:

I recieved and have been using my FlyBe and JJB cards since early October. My "fraud" search from Creation was made on the 4th of November and there's no CIFAS marker on my file to date.

Like someone said it's more than likely just an AML search and they just label it fraud because in any company it's the fraud department that deals with money Laundering.

I wouldn't get all paranoid just yet.... the person in this thread that got a CIFAS from them clearly stated that they had been a victim of ID fraud, of course Sygma/Creation are going to enter a CIFAS if someone applied with dodgy details in this persons name, that's the whole point?

I created that thread over on CAG months ago, it's only just started to drum up interest now it's been in the paper. I SAR'd them back in AUG and have not even had a reply, nor have they cashed my cheque for the £10 SAR fee.

ICO complaint me thinks...

moneysavingallday

So is it only one person who's been CIFAS'd by Sygma? I thought it was more than one person?

louiser123

TheAnalyst wrote: »

That's odd, mine is Creation Financial Srvs Ltd (Fraud) :rolleyes:

I recieved and have been using my FlyBe and JJB cards since early October. My "fraud" search from Creation was made on the 4th of November and there's no CIFAS marker on my file to date.

Like someone said it's more than likely just an AML search and they just label it fraud because in any company it's the fraud department that deals with money Laundering.

I wouldn't get all paranoid just yet.... the person in this thread that got a CIFAS from them clearly stated that they had been a victim of ID fraud, of course Sygma/Creation are going to enter a CIFAS if someone applied with dodgy details in this persons name, that's the whole point?

I created that thread over on CAG months ago, it's only just started to drum up interest now it's been in the paper. I SAR'd them back in AUG and have not even had a reply, nor have they cashed my cheque for the £10 SAR fee.

ICO complaint me thinks...

mine is the same creation financial services ltd (fraud) but as i said on the other post it was in the enquirys section and this does state that these searches are not seen by other lenders they are follow up searches, im sure if they thought fraud was an issue they would not have issued me a card?
hubby has same search in same section however he was declined but no cifas marker!

boulou

can someone help? im goin round in circles, i have two debts on my credit file with equifax - both were results of ongoin queries reguarding unfair/incorrect banks charges, one with a bank and the other a credit card company. the latter debt was sold to a third party who have now decided to close the account 'without prejudice' and have said they are unable to remove it from my file, i have tried contacting equifax but all they will say is the company who placed this on my file have 'refused' to remove it and i should contact them direct. they keep saying that they are unable to do anything other than put 'satisfied' against the debt. i am more than a little concerned about this. what does 'satisfied' mean and how will it affect my future credit rating? how do i go about getting this removed completely?