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CIFAS Marker

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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? 


Comments

  • Hoenir
    Hoenir Posts: 7,742 Forumite
    1,000 Posts First Anniversary Name Dropper
    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
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    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
    Nasqueron Posts: 10,658 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    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

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

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