CIFAS Categories

GoHabsGo

Does anyone have detailed explanations on the various CIFAS categories (listed below as stated in my Equifax credit report). I was twice impersonated on credit card applications last year - thankfully both MBNA and Citi noticed that the applications were fraudulent and did not issue the cards. As a result, I now have CIFAS notifications on my credit rating, which I checked this week after being turned down twice last week for opening bank accounts... turns out that for both incidents I have a Category 2 Alert (which I would expect), but also a Category 1 Alert (which concerns me).

Could this be the reason that both Abbey and Barclays turned me down for bank accounts - the rest of my credit history is 100% clean.



CIFAS Categories Explained
0 Protective Registration -- Recorded at the request of the person named.
1 False Identity Fraud -- Use of a false name with an address.
2 Victim of Impersonation -- Use, by another person, of this name and/or address.
3 Application 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.
4 Application 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.
5 Conversion -- 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.
6 First Party Fraud -- Opening an account or other facility for a fraudulent purpose, or the fraudulent misuse of an account or facility.
7 Aiding & Abetting -- Aiding, abetting or assisting, or conspiring with, another or others to fraudulently procure credit, or other facilities, or hire products or services.
8 Insurance 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.