What is the National Fraud Database?

The National Fraud Database (NFD) is the central database maintained by CIFAS where member organisations record fraud markers. It is a shared system — meaning that when one organisation places a marker, all other CIFAS members can see it when they check your details.

The NFD is not the same as your credit file. It is a separate database specifically for fraud markers. Credit reference agencies (Experian, Equifax, TransUnion) hold your credit history. The NFD holds fraud markers only.

How the NFD works

• A CIFAS member files a marker against your name and details on the NFD
• Other CIFAS members check the NFD when you apply for products or services
• If a marker is found, the checking organisation decides how to respond — often by declining your application
• Markers typically remain on the NFD for six years unless removed through a successful complaint
• You can find out what is on the NFD about you by making a Subject Access Request to CIFAS

What data is stored on the NFD?

The NFD stores your name, date of birth, address history, and details of the marker — including the type, the filing organisation, the date it was placed, and a reference to the case. This is all personal data under UK GDPR, which means it must be accurate and you have the right to challenge inaccuracies.