Cifas application fraud

heyitsme123

So basically I just learned last week that Tesco bank have put a application fraud on my cifas file in 2018 and Barclays have put a fraud marker on in 2015 I have been getting declined for credit I think this is why but will my bank or anything be affected it hasn’t yet and it’s been on There since 2018 but just wondering. 

Ed-1

heyitsme123 said:

So basically I just learned last week that Tesco bank have put a application fraud on my cifas file in 2018 and Barclays have put a fraud marker on in 2015 I have been getting declined for credit I think this is why but will my bank or anything be affected it hasn’t yet and it’s been on There since 2018 but just wondering. 

It may be if they ever see the CIFAS entries. So don't apply for anything with them.

Why did Barclays and Tesco act in this way?

heyitsme123

I applied for a current account and they declined it they must have thought something was strange and with Tesco I apparently didn’t enter the correct details but I said there my details I no they are correct well I have been applying for stuff with my bank since June last year and nothing has happend but I opened a current account with Santander last month and not has any issues with it so im hoping everything is ok but just looking for more advice if possible 

heyitsme123

Ed-1 said:

heyitsme123 said:

So basically I just learned last week that Tesco bank have put a application fraud on my cifas file in 2018 and Barclays have put a fraud marker on in 2015 I have been getting declined for credit I think this is why but will my bank or anything be affected it hasn’t yet and it’s been on There since 2018 but just wondering. 

It may be if they ever see the CIFAS entries. So don't apply for anything with them.

Why did Barclays and Tesco act in this way?

I applied for a current account and they declined it they must have thought something was strange and with Tesco I apparently didn’t enter the correct details but I said there my details I no they are correct well I have been applying for stuff with my bank since June last year and nothing has happend but I opened a current account with Santander last month and not has any issues with it so im hoping everything is ok but just looking for more advice if possible 

superM

What does it show on your cifas report.  It might show part of the application details were incorrect. 

I am superised Santander opened the account for you.  No banks accepts cifas entries.

Thrugelmir

Application fraud is dealt with through National Hunter
https://www.nhunter.co.uk/

Ed-1

Thrugelmir said:

Application fraud is dealt with through National Hunter
https://www.nhunter.co.uk/

That helps with detection but proven application fraud has to be registered on CIFAS (category 3/4).

superM

National Hunter checks discrepancies on the application example you paply for Barclaycard and list 17k income but then make an application at Amex and put down 30k income.  It tries to match the application. If it fails it gets referred for further checks.

That's my understanding.

https://www.checkmyfile.com/jargon/cifas-fraud-type.htm