What is a CIFAS

in Credit Cards
5 replies 286 views
I was just wondering how would someone get a CIFAS and would show on your public record or is it hidden?

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  • eskbankereskbanker Forumite
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    RahmanQ said:
    I was just wondering how would someone get a CIFAS and would show on your public record or is it hidden?
    It's a marker placed on a central database indicating one of a variety of misdemeanours, that, if you receive one of these, will severely hinder your chances of accessing financial products.  It's accessible to financial institutions but not generally published, but you can access your own info via a subject access request: https://www.cifas.org.uk/contact-us/subject-access-request
  • cymruchriscymruchris Forumite
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    RahmanQ said:
    I was just wondering how would someone get a CIFAS and would show on your public record or is it hidden?
    Usually from applying for lots of credit using false/inaccurate information for example. Have you been notified that you've been given a CIFAS marker after all of your recent credit card application activity? 

    An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects :) Happy to help others going through what I've been through!
  • RahmanQ said:
    I was just wondering how would someone get a CIFAS and would show on your public record or is it hidden?
    Usually from applying for lots of credit using false/inaccurate information for example. Have you been notified that you've been given a CIFAS marker after all of your recent credit card application activity? 

    No I was just wondering after I made that stupid mistake of applying for those Lloyds and Halifax credit card but I haven’t received any CIFAS marker 
  • RahmanQ said:
    I was just wondering how would someone get a CIFAS and would show on your public record or is it hidden?
    Usually from applying for lots of credit using false/inaccurate information for example. Have you been notified that you've been given a CIFAS marker after all of your recent credit card application activity? 

    I also received a letter from both Halifax and Lloyds that the credit card application was closing with intermediate effect and after further checks is that CIFAS?
  • cymruchriscymruchris Forumite
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    Further checks doesn't necessarily mean there's any CIFAS record - a soft search only lets them see an overview of your credit file, a hard search gives them more detail. It might be that on the soft search things looked ok - but on the hard search they found something they didn't like. Nobody will know what that is though except the bank - and they won't tell you. If you do want to check CIFAS - you can do it here: https://www.cifas.org.uk/contact-us/subject-access-request


    An ex-bankrupt on a journey of recovery. Feel free to send me a DM reference credit building credit cards from the usual suspects :) Happy to help others going through what I've been through!
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