What is a CIFAS marker? #
A CIFAS marker is a warning flag recorded in the National Fraud Database (NFD). It indicates that a bank, lender, insurer, or other CIFAS member believes you were linked to fraud or financial crime. It is not a criminal conviction, but it can seriously affect your ability to access financial services.
How long does a CIFAS marker last? #
Most CIFAS markers remain on the National Fraud Database for six years. After this period, they are automatically deleted. You can challenge a marker earlier if it is inaccurate, unfair, or disproportionate.
Who can see a CIFAS marker? #
All CIFAS member organisations can see markers. This includes high street banks, challenger banks, insurers, telecom companies, utility providers, retailers, and even some government bodies.
What types of CIFAS markers are there? #
The main types are:
- Identity Fraud
- False Application
- Misuse of Facility
- Facility Takeover
- Victim of Impersonation (protective marker)
Is a CIFAS marker the same as a criminal record? #
No. A CIFAS marker is not a criminal conviction. It is an internal fraud prevention measure shared among member organisations. However, it can have similar practical consequences, such as exclusion from banking or employment in regulated industries.
How do I know if I have a CIFAS marker? #
You can request a Subject Access Request (SAR) from CIFAS. They will provide a copy of your record in the National Fraud Database. You may also find out if you are repeatedly refused credit, banking, or insurance.
Can a CIFAS marker stop me getting a job? #
Yes, in some industries. Employers in financial services, law, security, and other regulated sectors may run CIFAS checks. A marker could result in your job application being declined.
Can I remove a CIFAS marker? #
Yes. If the marker is inaccurate, unfair, or disproportionate, you can:
- Submit a DSAR to get the evidence.
- Complain to the bank or organisation that filed it.
- Escalate to CIFAS for review.
- Take the case to the Financial Ombudsman Service.
- As a last resort, apply to the court for removal.
How much does it cost to remove a CIFAS marker? #
- DIY removal is free but time-consuming and legally complex.
- Professional templates (around £99 per case type) provide structured letters and guidance.
- Full representation typically ranges from £500 to £2,000 depending on complexity.
Will my credit score improve if a CIFAS marker is removed? #
Yes, indirectly. While CIFAS markers are not recorded with credit reference agencies, they often cause banks and lenders to decline applications. Once the marker is removed, you are more likely to be accepted, which improves your ability to rebuild credit.
What should I do first if I think I have a marker? #
Your first step is to submit a DSAR to the bank and to CIFAS. This gives you the evidence you need to decide whether the marker is valid and, if not, begin the removal process.
