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ramesheuk

Hi,

Just now I check my credit report. My name and address shown under CIFAS section. What does this mean? Please advice me?

Thanks.

moneysavinggeek

Hi fredted40x,

My Topcashback for Experian hasn't tracked yet and that has been 5 days. After 7-14 days you can get topcashback.co.uk to chase it up. Probably should have let it track first before cancelling.


ramesheuk,

CIFAS is BAD NEWS

It means their is a suspicion of fraud maybe by someone else using your details. You need to look into this with urgency and get is sorted out.

It might not be your fault and their can be various reasons for it.

What CIFAS Category has been assigned?

Below is Equifax's explainitory information from their credit report.



CIFAS, UK's Fraud Prevention Service Registered Alerts

CIFAS, the UK's Fraud Prevention Service, aims to detect and prevent fraud, in order to protect innocent people whose names, addresses, or other details, are used fraudulently by others in order to get credit. CIFAS member organisations include many types of financial service organisations such as Banks, Building Societies, Insurance Companies, Finance Houses, Mail Order and Telecommunication Companies. All member organisations share details of applications for products or services, which are believed to be fraudulent.When a CIFAS member organisation identifies a fraud, a warning is placed against the address or addresses linked to the application or account. The warning shows the name used on the application or account but this does not necessarily mean the person named is accused of fraud, as fraudsters tend to use a variety of names, some false and some genuine. The CIFAS warning therefore appears on the Credit File of any person who has a link with the address. Any CIFAS member organisation subsequently conducting a search at that address will see the CIFAS warning. The warning does not mean the individuals living at the address are involved with fraud. It means the Lender should take extra precautions before opening a new account to ensure the applicant/application is genuine.
document.write('About CIFAS'); About CIFAS
If you have been the victim of a mugging or burglary and personal identification documents have been stolen, there is a risk that they could be used by the thief to obtain credit or other product/services fraudulently in your name. Protective Registration is a service offered by CIFAS - The UK's Fraud Prevention Service - that helps to protect those whose identity is at risk due to crime. When you request CIFAS Protective Registration, a CIFAS warning flag Category '0' is placed against your address indicating that you have been recorded on the CIFAS fraud prevention database at your own request.
As a result of the entry CIFAS members will verify further the identity of applicant(s), and in some cases request further proof of identification, and this may mean you personally experience delays while your credentials are fully checked out. Whilst this might cause you some inconvenience it could prevent someone obtaining credit in your name. Full details of the CIFAS Protective Registration service for individuals can be accessed by clicking here.
There are a number of CIFAS categories used by Lenders which are explained in the table below:
CIFAS Categories Explained0Protective Registration -- Recorded at the request of the person named.1False Identity Fraud -- Use of a false name with an address.2Victim of Impersonation -- Use, by another person, of this name and/or address.3Application Fraud (Facility Granted) -- Use of name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information -; the facility was granted.4Application Fraud (Facility Refused) -- Use of a name reasonably believed to be genuine, but with one or more material falsehoods in personal details or other relevant information -; the facility was refused.5Conversion -- Conversion (disposal or sale) of goods (to which the hirer/buyer does not have title) under a hire purchase, conditional sale, contract hire, leasing or rental agreement.6First Party Fraud -- Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility.7Aiding & Abetting -- Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, or other facilities, or hire products or services.8Insurance Claims Fraud -- The making of a claim(s) under one or more insurance policy (ies) with one or more material falsehoods or by presenting a false or forged document.How does this data affect me?

If your address or other personal details are being misused, the CIFAS warning protects your details from further misuse. Only CIFAS member organisations are able to see CIFAS warnings and they are very careful to establish the identity of any applicant subsequently being approved for a product or service from the address. This may lead to a delay when applications from you are being processed, as your identity will need to be confirmed and the information on your application will be verified. However, this helps to prevent others misusing your address or other personal details and avoids the distress and inconvenience this would cause you.
No CIFAS member organisation is allowed to automatically refuse to supply a product or service to you because of a CIFAS warning. The Lender is required to make further enquiries, eg. to confirm your identity, before making a decision. However, there are occasions when, even though a CIFAS warning is present and your identity has been properly confirmed, your application will not be approved. This is because your application is still subject to the member's standard credit checks or underwriting criteria and you may not meet them. If this is the case, the Lender will be able to tell you whether the decision was due to a Credit Score, Credit Reference Agency information or the Lender's own policy.
How long is this data kept on my Credit File?

The time a CIFAS warning remains on your Credit File depends on how long the fraudulent activity continues.Members are able to extend the time a warning is placed against an address to protect the address from fraud. In all cases, the warning remains on the database for at least a year from the date of the most recent fraud.
What can I do if there is CIFAS information relating to another person/s?

The information may not directly relate to you but may for example, indicate that someone has tried to impersonate you. For your own protection, this information must remain on your Credit File.
What can I do if I believe there is CIFAS Information, which is registered incorrectly?

In the first instance you should write to the CIFAS member organisation that placed the CIFAS warning on your address, as they are responsible for the accuracy of this data. Their name is supplied as part of your Credit File. CIFAS member organisations operate their own internal complaints procedures, details of which will be given to you by them upon request.
If you and the CIFAS member organisation are unable to reach an agreement on your complaint, you should receive a letter from the member confirming the complaint procedure is completed or exhausted. Sometimes this is known as a Final Response Letter.
If you decide you want to take your complaint further you may ask CIFAS to investigate your complaint. CIFAS will contact the member and review the details of your complaint. CIFAS will confirm whether the member adhered to the correct procedures.
Please Note:

• If you believe that you are being impersonated and someone has opened an account in your name, you should contact the organisation concerned and make it aware that the application or account was not originated by you. This will ensure any CIFAS warning they may have placed at your address is clearly marked as a Category 2, to show you have been the victim of an impersonation fraud.
• If the organisation concerned is not a member of CIFAS, CIFAS offer a Protective Registration that helps to protect those whose identity is at risk due to crime. Full details of the CIFAS Protective Registration service for individuals can be accessed by clicking here.
• A Lender will not necessarily make you aware that they are placing a CIFAS warning at your address. Great care is taken to strike the right balance between the need for confidentiality and the need to be open about fraud prevention. In the past, letters to consumers advising that a CIFAS warning has been placed on their address has alerted the perpetrators of the crime to the fact that the police have become involved in a case. To maximise the likelihood of successful apprehension and prosecution of offenders, consumers are not advised of CIFAS warnings in the majority of cases. However, in the event of an impersonation, the Member will always advise the innocent party, if they have a current address for the innocent party and are sure that the fraudster will not be alerted.

Hope this helps.

Click through this link to sign up for TopCashback.co.uk and I can get a referal fee. Thank you!

http://www.TopCashBack.co.uk/moneysa.../ref/index.htm

competitionscafe

moneysavinggeek wrote: »

Click through this link to sign up for TopCashback.co.uk and I can get a referal fee. Thank you!

Looks like you are new to the forums (welcome!) and so may not know this yet - but the only place you are allowed to post links for personal gain is on the referals board. There is a topcashback thread there already where you can add your link.

SpideyPunk

Had a gander after seeing the freetrial, whilst the data held is interesting, id think that anyone with no debt history would only find the basic info on there, as i did, just called to cancel and they tried talking me into "having a chat" with their credit experts before i leave, even after i had said i was happy with all the checks that are on there! lol they do try hard.

Hopefully wont get a charge next month as with some freetrials "forgetting" to cancel me :rolleyes:

johnmoney05

Just made a quick call to cancell today. The report is interesting, but personally don't think any help. If got paid, that would be easy £8.

johnmoney05

I applied a week before...they all gone now...sorry

anukambi30

Hi ,
I am trying to cancell . Have been trying on to call on 0800 656 9000. Just cant seem to get through them. Is there any other way for cancelling it.

anukambi30

Just did that now. They seemed to be quite busy

gogsboy

MSE_Andrea wrote: »

• Cancel the subscription. To avoid any cost and make the £7, cancel within 30 days of opening it, by calling 0800 656 9000. You can do this straight away; if you don't, then diarise it to avoid being charged for the next month

Very handy and totally simple, but have you ever tried called above number to cancel?

All the diaries in the world wont get you through, this lot were at it years ago and seems they still are.

gogsboy

anukambi30 wrote: »

Just did that now. They seemed to be quite busy

They were busy 6 years ago too, convenient when they don't really want you to cancel!