CIFAS Entry

A CIFAS entry on your credit report is a fraud warning. It will mean that any application for credit or other services from the address may be subject to further checks to validate the details given and to confirm the identity of the applicant.

Once these details are confirmed, the application will be assessed for credit in the usual way, without any further regard for the existence of the CIFAS entry. No one is permitted to be refused credit simply on the basis of a CIFAS warning.

You may see the two following CIFAS Case Types on your credit report - Protective Registration (if you have purchased this service from CIFAS or from another provider), or Victim of Impersonation (if you have been the victim of identity fraud and if your lender has filed this for your own protection).

Other information that can be included on the credit reports that lenders see relate to instances of fraud, deception or the exaggeration of application form details. An individual who wishes to know whether any such information is held in his or her name can make a Subject Access Request, preferably using the form available by a link from this page of the CIFAS website.

A CIFAS entry on your credit report will mean that your credit applications cannot be automatically processed, so you may be subjected to delays because of the entry. The length of time the warning remains on your credit report is variable depending on several factors connected with the actual or attempted fraud. If you purchase a Protective Registration, this will remain on your credit report for 12 months and must be renewed (upon payment of a further annual fee to CIFAS) if for any reason you wish the warning to remain for longer than 12 months.

See also the Hunter jargon entry.

More Credit Definitions

Accident Sickness And Unemployment Insurance (ASU)
Additional Cardholder
Adjudication
Administration Order
Adverse Credit
AER
Agreement In Principle
Amortisation
Annual Equivalent Rate (AER)
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Bank Reference
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Callcredit
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Card Protection
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CCA
CCJ
CCN
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Charge Over Equitable Interest
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CIFAS
CIFAS Case Type
CIFAS Entry
CML
Collar
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Commission
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Consumer Credit Act 1974
Consumer Credit Trade Association.
Cooling Off Period
County Court Judgment (CCJ)
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Credit Agreement
Credit Card
Credit Card Cheques
Credit File
Credit Impaired
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Default
Delinquent
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Delphi
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Depreciation
Disassociation
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Electoral Roll
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Enquiry
Equifax
Equity
Equity Release
Experian
Extended Credit Taker
Fair Isaac
FICO Score
Financial Association
Financial Ombudsman Service
Financial Services Authority (FSA)
First Mortgage
Fixed Rate
Fixed Rate Mortgage
Flexible Loan
Forced Sale Value (FSV)
FSA
FSV
Full Payer
Further Advance
GAIN
Garnishee Order
General Insurance Standards Council (GISC)
Geodemographic Data
GISC
Gone Away Information Network (GAIN)
Guarantor
Health Insurance
Higher Lending Fee
Household Score
Hunter
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Lump Sum Reduction
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Mortgagee
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Multiplier
Negative Equity
Non Status Mortgage
Notice Of Arrears
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Notice Of Default
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Offset Mortgage
Ombudsman
Oral Examination
Overdraft
Overdraft Limit
Overpayment
P60
Payment Holiday
Payment Protection
Payment Protection Insurance (PPI)
Pension Mortgage
Personal Loan
Plastic
Portable Mortgage
Principles Of Reciprocity
Proof Of Income
Propensity Score
Protective Registration
Public Information
Reciprocity
Redemption Penalty
Refinancing
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Repossession
Schumer Box
SCOR
Scottish Decree
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Second Mortgage
Secured Loan
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Self Certification
Sequestration
Set Off
Share
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Sharking
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Standard Variable Rate
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Sub Prime Credit
Subject Access Request
Subsequent Mortgage
Summary Box
Third Party Data (TPD)
Title Deed
TPD Rules
Tracker Mortgage
Trade Organisation
Trust Deed
Underwriters
Unsecured Loan
Valuation
Victim Of Impersonation
Wait Period
Warrant Of Execution
Wescore
Writ Of Fi Fa
Z Score

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