How long do cifas markers last depends on the type of marker. Most CIFAS markers remain on the National Fraud Database (NFD) for a period of six years.
During this time, the marker is visible to all CIFAS member organisations, including banks, lenders, insurers, telecom providers, and some public sector bodies. This means that whenever you apply for financial services, the organisation will see the marker and may refuse your application.
After six years, markers are automatically deleted from the database. No further action is required for removal once the retention period expires.
However, if you believe a marker has been applied unfairly, inaccurately, or without proper evidence, you do not need to wait six years. You can challenge it for early removal through:
- A complaint to the bank or institution that recorded it,
- A review by CIFAS,
- Escalation to the Financial Ombudsman Service, or
- As a final option, taking the matter to court.
Challenging a marker early is often the best way to restore access to banking and credit services, rather than living with the restrictions for the full six years.
