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  • FIRST POST
    andyf777
    Cifas - can I get ANY credit?
    • #1
    • 31st Mar 15, 8:38 PM
    Cifas - can I get ANY credit? 31st Mar 15 at 8:38 PM
    So to cut a very long story short, I have a cifas cat 4 marker against my name. I wont bore you with the details but it has been on for 3'years and causing me servere stress. I keep getting declined for even something as basic as a basic bank account.

    Does anyone know if and who will give me some form of credit to help build my credit file, and to help my finances look better?

    Please note my credit score is 900, never missed any payments, have a credit card, bank account and mobile phone accounts etc (all opened before the cifas)

    Anyone else in the same boat that can shed some light?!

    Many thanks
    Last edited by andyf777; 31-03-2015 at 9:26 PM. Reason: Typo
Page 1
    • jimmy*c
    • By jimmy*c 31st Mar 15, 8:48 PM
    • 181 Posts
    • 369 Thanks
    jimmy*c
    • #2
    • 31st Mar 15, 8:48 PM
    • #2
    • 31st Mar 15, 8:48 PM
    If you already have a credit card, use that for your regular monthly spend and pay it off in full at statement date - That's about the best you can do really, as well as keeping up with phone contracts etc. It takes time. Can't really comment on the CIFAS.
    • Ed-1
    • By Ed-1 31st Mar 15, 8:50 PM
    • 2,200 Posts
    • 1,175 Thanks
    Ed-1
    • #3
    • 31st Mar 15, 8:50 PM
    • #3
    • 31st Mar 15, 8:50 PM
    So to cut a. Ery long story short, I have a cifas cat 4 marker against my name. I wont bore you with the details but it has been on for 3'years and causing me servere stress. I keep getting declined for efen something as basic as a basic bank account.

    Does anyone know if and who will give me some form of credit to help build my credit file, and to help my finances look better?

    Please note my credit score is 900, never missed any payments, have a credit card, bank account and mobile phone accounts etc (all opened before the cifas)

    Anyone else in the same boat that can shed some light?!

    Many thanks
    Originally posted by andyf777
    Which bank is your credit card and current account with? Make sure you don't apply for a new account with them whatever you do as if they see the CIFAS flag they're bound to close the accounts you've got.

    Unfortunately you just need to 'sit it out' until CIFAS is removed.
    • Candyapple
    • By Candyapple 31st Mar 15, 9:08 PM
    • 2,849 Posts
    • 2,174 Thanks
    Candyapple
    • #4
    • 31st Mar 15, 9:08 PM
    • #4
    • 31st Mar 15, 9:08 PM
    C.I.F.A.S:
    This is a system that records elements of fraud and is primarily used by lenders, insurers and/or employers ultimately to prevent fraud taking place. There are different CIFAS markers, each having its own unique affect on your credit file. For instance a Cat '0' is classed as Protective Registration and would have no effect (it was requested by you). A Cat 4 (application fraud) entry would be classed as adverse in the eyes of other lenders.

    CIFAS data can be either stored on your credit file or be 'hidden from view' in which case you have to send in a SAR Request, with 10, to CIFAS in order to view the data. Click here for additional details such as case studies and to see the CIFAS website.
    • How long does the data remain?
    • CIFAS usually remains for 13 months from date of registration and can only be removed by the lender; or by the CRA after the 13 month period has elapsed if the lender authorised it. However, the marker can remain indefinitely if the lender that registered the marker believes fraud is still continuing. The lender can also extend a CIFAS marker at any time.


    Can you not write to the lender who applied the marker in the first place to remove it?

    https://www.payplan.com/debt_questions/debt_forum/viewtopic.php?f=23&t=126103
    Last edited by Candyapple; 31-03-2015 at 9:10 PM.
    • DCFC79
    • By DCFC79 31st Mar 15, 9:13 PM
    • 31,606 Posts
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    DCFC79
    • #5
    • 31st Mar 15, 9:13 PM
    • #5
    • 31st Mar 15, 9:13 PM
    It doesn't matter what your credit score is, its meaningless.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Ed-1
    • By Ed-1 31st Mar 15, 9:14 PM
    • 2,200 Posts
    • 1,175 Thanks
    Ed-1
    • #6
    • 31st Mar 15, 9:14 PM
    • #6
    • 31st Mar 15, 9:14 PM


    [/LIST]

    Can you not write to the lender who applied the marker in the first place to remove it?

    https://www.payplan.com/debt_questions/debt_forum/viewtopic.php?f=23&t=126103
    Originally posted by Candyapple
    From 1 January 2012, a fraud will remain on the CIFAS database for up to six years.
  • andyf777
    • #7
    • 31st Mar 15, 9:15 PM
    • #7
    • 31st Mar 15, 9:15 PM
    Thanks the the input guys, my account is with natwest and i learnt the hard way not t apply for anything else within their group as that happened with lloyds and they closed my account.

    The 13 month period no longer applies, it is now 6 years annoyingly.

    Inhave tried tirelessly to have it removed but they wont budge, basically a dodgy mortgage broker lied about my income (without my knowledge) but he has dissapeared so im stuck with it.

    Anyone else had any luck obtaining credit from anywhere with a cifas?
    • Candyapple
    • By Candyapple 31st Mar 15, 9:18 PM
    • 2,849 Posts
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    Candyapple
    • #8
    • 31st Mar 15, 9:18 PM
    • #8
    • 31st Mar 15, 9:18 PM
    Blimey, 6 years!

    In that case, if you're halfway through your "sentence" then I guess you'll just have to wait it out.

    I've read nunmerous threads about CIFAS markers, but none where anyone successfully managed to obtain credit whilst the markers were still showing.
  • andyf777
    • #9
    • 31st Mar 15, 9:22 PM
    • #9
    • 31st Mar 15, 9:22 PM
    Blimey, 6 years!

    In that case, if you're halfway through your "sentence" then I guess you'll just have to wait it out.

    I've read nunmerous threads about CIFAS markers, but none where anyone successfully managed to obtain credit whilst the markers were still showing.
    Originally posted by Candyapple
    I know, i would honestly rather have numerous defaults and ccj's than this cifas marker. It makes my life so hard, i have had numerous banks closed, including my business account. Ive been refused for so many things. Although i did manage to get a Sky account

    Honestly, it is HELL,
    • Ed-1
    • By Ed-1 31st Mar 15, 9:26 PM
    • 2,200 Posts
    • 1,175 Thanks
    Ed-1
    Thanks the the input guys, my account is with natwest and i learnt the hard way not t apply for anything else within their group as that happened with lloyds and they closed my account.

    The 13 month period no longer applies, it is now 6 years annoyingly.

    Inhave tried tirelessly to have it removed but they wont budge, basically a dodgy mortgage broker lied about my income (without my knowledge) but he has dissapeared so im stuck with it.

    Anyone else had any luck obtaining credit from anywhere with a cifas?
    Originally posted by andyf777
    Who gave you the CIFAS marker in the first place?

    What happened with the Lloyds closure? e.g. did you have a Lloyds account and applied for one with Halifax and as they are part of the same banking group they closed the Lloyds account after they checked CIFAS?

    Honestly, the only way to get credit with a CIFAS marker against you is with someone who isn't a CIFAS member (which are few and far between):

    https://www.cifas.org.uk/cifas_members
  • andyf777
    Who gave you the CIFAS marker in the first place?

    What happened with the Lloyds closure? e.g. did you have a Lloyds account and applied for one with Halifax and as they are part of the same banking group they closed the Lloyds account after they checked CIFAS?

    Honestly, the only way to get credit with a CIFAS marker against you is with someone who isn't a CIFAS member (which are few and far between):

    https://www.cifas.org.uk/cifas_members
    Originally posted by Ed-1
    It was YBS that gave me the marker.

    Basically i had 2 lloyds accounts, then applied for a savings account. It got accepted then i got a letter statng all my accounts have been closed.
    They must of seen the cifas when credit checking me for the new account. Big mistake of mine!
  • andyf777
    Also ed-1, i have read the cifas members list in the past and EVERYONE is on the list. Can you find anyone who isn't

    I will even pay someone to help me, maybe a solicitor who can help remove the marker?
    • DCFC79
    • By DCFC79 31st Mar 15, 9:44 PM
    • 31,606 Posts
    • 19,946 Thanks
    DCFC79
    Also ed-1, i have read the cifas members list in the past and EVERYONE is on the list. Can you find anyone who isn't

    I will even pay someone to help me, maybe a solicitor who can help remove the marker?
    Originally posted by andyf777
    Do you have anything to prove what you say happened ?
    If not then you can't get it removed, even you did have proof it may not be possible to get it removed.

    I wouldn't bother with a solicitor, save that money instead.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
  • andyf777
    No thats the thing, i have no proof other than my word and a bank transfer transactin for 2000 to the broker (who i have since found out wasnt regulated)
    I really am snookered
    • Ed-1
    • By Ed-1 31st Mar 15, 9:55 PM
    • 2,200 Posts
    • 1,175 Thanks
    Ed-1
    No thats the thing, i have no proof other than my word and a bank transfer transactin for 2000 to the broker (who i have since found out wasnt regulated)
    I really am snookered
    Originally posted by andyf777
    Isn't CIFAS category 4 application fraud (facility refused)?

    With regards non-CIFAS members, I can't think of any that offer current accounts (other than credit unions) but for loans/mortgages there are several building societies (shame YBS isn't one!) such as Chorley for example.

    Did Lloyds apply instant closure or give you notice of closure out of interest?
    • DCFC79
    • By DCFC79 31st Mar 15, 9:55 PM
    • 31,606 Posts
    • 19,946 Thanks
    DCFC79
    No thats the thing, i have no proof other than my word and a bank transfer transactin for 2000 to the broker (who i have since found out wasnt regulated)
    I really am snookered
    Originally posted by andyf777
    I don't see how a solicitor would help then. All I can suggest is what I last said.
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • Thrugelmir
    • By Thrugelmir 31st Mar 15, 10:16 PM
    • 58,454 Posts
    • 51,828 Thanks
    Thrugelmir
    No thats the thing, i have no proof other than my word and a bank transfer transactin for 2000 to the broker (who i have since found out wasnt regulated)
    I really am snookered
    Originally posted by andyf777
    Did you sign the mortgage application forms?
    Financial disasters happen when the last person who can remember what went wrong last time has left the building.
  • andyf777
    Isn't CIFAS category 4 application fraud (facility refused)?

    With regards non-CIFAS members, I can't think of any that offer current accounts (other than credit unions) but for loans/mortgages there are several building societies (shame YBS isn't one!) such as Chorley for example.

    Did Lloyds apply instant closure or give you notice of closure out of interest?
    Originally posted by Ed-1
    Yes cat 4 facilty refused
    I may look into a credit union then, thanks for that. And yes lloyds instantly closed my accounts, no notice whatsoever
  • andyf777
    Did you sign the mortgage application forms?
    Originally posted by Thrugelmir
    Yes, he said "sign here" on the form
  • andyf777
    Isn't CIFAS category 4 application fraud (facility refused)?

    With regards non-CIFAS members, I can't think of any that offer current accounts (other than credit unions) but for loans/mortgages there are several building societies (shame YBS isn't one!) such as Chorley for example.

    Did Lloyds apply instant closure or give you notice of closure out of interest?
    Originally posted by Ed-1
    Could you kindly give me a few more building socierty names that dont use cifas? Many thanks
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