CIFAS marker for “false identity marker” help?

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[Deleted User]

CIFAS doesn't show on 'credit checking sites'.

You need to find out what category of fraud the marker is - ie fraud by you, or by a third party.

It's only bad for you if you're the one identified as committing the fraud.

System

Ah I see, how do I find this out? The letter just says it’ll be on here for 6 years.

I assume it’s the lesser of the two.

[Deleted User]

Ask CIFAS.

System

Just called them, they said they can’t discuss that info with me and to contact Halifax.

Seems I’m going to be going round in circles !!!!!!.

System

For some reason my quote isn’t working on mobile.

Is category 1 the worst of the two?

So it’s nothing to worry about, I can still get credit etc and they won’t reject me because of this? I do remember someone had owed BP £100 and they sent me a letter the details were very similar to mine but not exactly the same, I wonder if it’s linked.

I’m just worried it’ll affect my mortgage next year. Weird how my letter looks so different though.

System

Also is 1 the highest, or does it not work that way? I can’t seem to find too much relevant info on category 1 or 2 etc.

But category 2 only lasts 13 months whereas category 1 lasts 6 years - so assuming category 1 is much worse?

[Deleted User]

It won't affect your chances of getting credit - it just means additional checks need to be done to make sure it's you who's applying.

System

I see, I see.

Which one if worse out of category 1 or 2? I just assumed a category 2 would be worse if you’re a victim of impersonation but that only lasts 13 months for some weird reason.

Maybe it’s why Mercedes requested bank statements from me when I went for credit.