Fraud Case CIFAS Record?

Spender£

Having recently cancelled orders and changed my password after hackers gained access to my JD Williams account i have now got a letter from the retailer claiming they have recorded this as ID Fraud with CIFAS. Is this good or bad because they are giving me an option to remove this record of these activities.

I am concerned that this could affect my future credit card applications and i have never been in debt and don't want my credit affected.

The retailer claims this fraud did not happen on their end (which i suppose they would say) but we still don't know how it happened unless it was a data breach as the password they got hold of was only used on this account and they don't have access to the email account even though they are still trying to change the password because i received three emails with password reset links on them today.

[Deleted User]

It's good in that it provides further checks that anyone applying for credit is actually you, but also means a slower approval process.

MattMattMattUK

Spender£ said:

Having recently cancelled orders and changed my password after hackers gained access to my JD Williams account i have now got a letter from the retailer claiming they have recorded this as ID Fraud with CIFAS. Is this good or bad because they are giving me an option to remove this record of these activities.

I am concerned that this could affect my future credit card applications and i have never been in debt and don't want my credit affected.

The retailer claims this fraud did not happen on their end (which i suppose they would say) but we still don't know how it happened unless it was a data breach as the password they got hold of was only used on this account and they don't have access to the email account even though they are still trying to change the password because i received three emails with password reset links on them today.

This is called a Protective Registration, it generally means that future potential lenders will do a few more checks to make the person applying saying that they are SpenderA, is actually SpenderA, not FraudsterB pretending to be SpenderA. This is designed to protect you, where as CIFAS markers are there to protect other lenders as they are the result of actions committed by the applicant, usually fraud.

CIFAS Protective Registration is entirely up to you if you want it or not and can be removed at any time, CIFAS markers are for six years and will only be removed if it can be proven that the person did not commit the fraud alleged. 

https://www.cifas.org.uk/pr

Spender£

MattMattMattUK said:

Spender£ said:

Having recently cancelled orders and changed my password after hackers gained access to my JD Williams account i have now got a letter from the retailer claiming they have recorded this as ID Fraud with CIFAS. Is this good or bad because they are giving me an option to remove this record of these activities.

I am concerned that this could affect my future credit card applications and i have never been in debt and don't want my credit affected.

The retailer claims this fraud did not happen on their end (which i suppose they would say) but we still don't know how it happened unless it was a data breach as the password they got hold of was only used on this account and they don't have access to the email account even though they are still trying to change the password because i received three emails with password reset links on them today.

This is called a Protective Registration, it generally means that future potential lenders will do a few more checks to make the person applying saying that they are SpenderA, is actually SpenderA, not FraudsterB pretending to be SpenderA. This is designed to protect you, where as CIFAS markers are there to protect other lenders as they are the result of actions committed by the applicant, usually fraud.

CIFAS Protective Registration is entirely up to you if you want it or not and can be removed at any time, CIFAS markers are for six years and will only be removed if it can be proven that the person did not commit the fraud alleged. 

https://www.cifas.org.uk/pr

Yes, I will ask them to remove it, thankfully because i acted quick the orders were cancelled and no harm done and the retailer has agreed to reinstate my credit on the account so i just want to move on with the least damage to my reputation.

Sandtree

MattMattMattUK said:

Spender£ said:

Having recently cancelled orders and changed my password after hackers gained access to my JD Williams account i have now got a letter from the retailer claiming they have recorded this as ID Fraud with CIFAS. Is this good or bad because they are giving me an option to remove this record of these activities.

I am concerned that this could affect my future credit card applications and i have never been in debt and don't want my credit affected.

The retailer claims this fraud did not happen on their end (which i suppose they would say) but we still don't know how it happened unless it was a data breach as the password they got hold of was only used on this account and they don't have access to the email account even though they are still trying to change the password because i received three emails with password reset links on them today.

This is called a Protective Registration, it generally means that future potential lenders will do a few more checks to make the person applying saying that they are SpenderA, is actually SpenderA, not FraudsterB pretending to be SpenderA. This is designed to protect you, where as CIFAS markers are there to protect other lenders as they are the result of actions committed by the applicant, usually fraud.

CIFAS Protective Registration is entirely up to you if you want it or not and can be removed at any time, CIFAS markers are for six years and will only be removed if it can be proven that the person did not commit the fraud alleged. 

https://www.cifas.org.uk/pr

Are you sure? Protective Registration is something that anyone can put on their own file in exchange for the fee.

I vaguely recall when the ex did counter-fraud work that they would load that someone has been the victim of identity fraud when the investigation had found impersonation (other types of victims of fraud weren't loaded but told about protective registration). They didn't ordinarily tell the victim and at times had never even spoken to them with some of the weirder cases.

The two may have similar impact but I am not sure they are identical. 

liggerz87

Keep it on there for a few months you could post on the credit files part of this site but I'd keep it as it will protect you

liggerz87

https://forums.moneysavingexpert.com/categories/credit-file-ratings here's a link

MattMattMattUK

Sandtree said:

MattMattMattUK said:

Spender£ said:

Having recently cancelled orders and changed my password after hackers gained access to my JD Williams account i have now got a letter from the retailer claiming they have recorded this as ID Fraud with CIFAS. Is this good or bad because they are giving me an option to remove this record of these activities.

I am concerned that this could affect my future credit card applications and i have never been in debt and don't want my credit affected.

The retailer claims this fraud did not happen on their end (which i suppose they would say) but we still don't know how it happened unless it was a data breach as the password they got hold of was only used on this account and they don't have access to the email account even though they are still trying to change the password because i received three emails with password reset links on them today.

This is called a Protective Registration, it generally means that future potential lenders will do a few more checks to make the person applying saying that they are SpenderA, is actually SpenderA, not FraudsterB pretending to be SpenderA. This is designed to protect you, where as CIFAS markers are there to protect other lenders as they are the result of actions committed by the applicant, usually fraud.

CIFAS Protective Registration is entirely up to you if you want it or not and can be removed at any time, CIFAS markers are for six years and will only be removed if it can be proven that the person did not commit the fraud alleged. 

https://www.cifas.org.uk/pr

Are you sure? Protective Registration is something that anyone can put on their own file in exchange for the fee.

I vaguely recall when the ex did counter-fraud work that they would load that someone has been the victim of identity fraud when the investigation had found impersonation (other types of victims of fraud weren't loaded but told about protective registration). They didn't ordinarily tell the victim and at times had never even spoken to them with some of the weirder cases.

The two may have similar impact but I am not sure they are identical. 

Fairly yep, companies can request a protective registration is added to someone as well. Barclays did it for me when some accounts were ID frauded in my name, they gave me the option if I did not want them. Having them caused no issues at all.

Maybe they are not identical, but I would imagine that they are pretty close if not.

MattMattMattUK

Spender£ said:

MattMattMattUK said:

Spender£ said:

Having recently cancelled orders and changed my password after hackers gained access to my JD Williams account i have now got a letter from the retailer claiming they have recorded this as ID Fraud with CIFAS. Is this good or bad because they are giving me an option to remove this record of these activities.

I am concerned that this could affect my future credit card applications and i have never been in debt and don't want my credit affected.

The retailer claims this fraud did not happen on their end (which i suppose they would say) but we still don't know how it happened unless it was a data breach as the password they got hold of was only used on this account and they don't have access to the email account even though they are still trying to change the password because i received three emails with password reset links on them today.

This is called a Protective Registration, it generally means that future potential lenders will do a few more checks to make the person applying saying that they are SpenderA, is actually SpenderA, not FraudsterB pretending to be SpenderA. This is designed to protect you, where as CIFAS markers are there to protect other lenders as they are the result of actions committed by the applicant, usually fraud.

CIFAS Protective Registration is entirely up to you if you want it or not and can be removed at any time, CIFAS markers are for six years and will only be removed if it can be proven that the person did not commit the fraud alleged. 

https://www.cifas.org.uk/pr

Yes, I will ask them to remove it, thankfully because i acted quick the orders were cancelled and no harm done and the retailer has agreed to reinstate my credit on the account so i just want to move on with the least damage to my reputation.

You would be better keeping it, it is there to protect you and there is no "damage to my reputation", all you would be doing if you get rid of it is making yourself more vulnerable. 

Robbo66

Having recently been caught out by a scam email I registered for Protective Registration with CIFAS, cost £25 for 2 years.
Yes the application process is a little longer when applying for credit but we are only talking a couple of days if that. Recently has finance agreed for a watch, finance company called me the same day i made the application to verify it was me