CIFAS Marker

Bitter1234

My credit score is 993 I’m perfect in all areas and a homeowner , but recently got declined a £20pm SIM card. I looked into it and can’t see anything other than a CIFAS marker due to £1500 identity fraud (facility takeover fraud)few months ago on my very account. Could this be what’s blocking me and if so what can I do about it? 

Hoenir

The marker is there to protect you. If it is blocking the transaction then it's likely to be an internal policy decision. That only time will heal (with this particular supplier). 

DullGreyGuy

Bitter1234 said:

My credit score is 993 I’m perfect in all areas and a homeowner , but recently got declined a £20pm SIM card. I looked into it and can’t see anything other than a CIFAS marker due to £1500 identity fraud (facility takeover fraud)few months ago on my very account. Could this be what’s blocking me and if so what can I do about it? 

Presumably this is a marker showing you as the victim rather than the perpetrator? 

It possibly is, some companies want low hanging fruit that can be done with straight through processing and not need people to review or make decisions etc. Its not a certainty though, I have no CIFAS marker, last year MBNA gave me a £30,000 credit limit on applying for a credit card with them yet a mobile operator declined a £8/month monthly SIM card deal a week earlier. It can be you just dont fit their profile 

Nasqueron

Keep in mind the score means nothing, no lender even sees it, let alone uses it for credit applications

If you have a CIFAS protective marker it would be best to speak to the operator maybe in store rather than applying online