What's it like to live with a CIFAS marker?
Most people find out the hard way: an account is closed or an application is refused, and nobody says why. The member that filed the marker usually doesn't tell you, and it usually won't show on your credit report.
If you're not sure what a marker is or whether you have one, start with what is a CIFAS marker?, which explains how to ask for your CIFAS report.
What happens to my bank account?
This is usually where it hits first. Your bank may close your account, and other banks that check CIFAS are likely to refuse a new one, which can leave you with nowhere for your wages to go.
Some banks and e-money accounts still accept people with a marker. See bank accounts that accept CIFAS markers: getting one working account sorted first makes everything else easier.
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Can I still get credit or a phone contract?
Usually not from mainstream providers. Most lenders and phone networks check CIFAS when you apply, and even a good credit score doesn't outweigh a fraud marker. Pay-as-you-go avoids the problem, as there's no credit.
Will it affect renting or buying a home?
It can. Some letting agents use referencing that checks fraud data, and mortgage lenders check CIFAS as part of their fraud checks: see getting a mortgage with a CIFAS marker.
Can a CIFAS marker stop me getting a job?
It can. A marker doesn't show on a criminal record check, but employers in financial services and others that use screening which checks CIFAS can see it, and an offer can be withdrawn after screening. See CIFAS markers and employment.
Does it affect insurance?
Many insurers check CIFAS too, so expect some refusals or higher quotes. Answer any question about fraud honestly: an answer that turns out to be untrue can void the policy.
How do I cope while it's there?
Being treated as a fraudster with no hearing and no explanation is hard, and the refusals wear you down. It helps to know it isn't a criminal record, it isn't a court's finding, and it doesn't have to last.
Get one working bank account, ask CIFAS for your report so you know exactly what's there, and challenge the marker. You don't need a solicitor to do it: a CIFAS marker isn't a legal issue.
Can I get the marker removed?
Yes, and you don't have to wait up to 6 years for it to expire. The member that filed it has to show its evidence meets the CIFAS standard, and if it can't, the marker must come off. Once it's gone, anyone who checks CIFAS won't see it, though past refusals stand, so you'll need to apply again.
Our CIFAS marker removal guides take you through it for each bank, lender and insurer. If you were used as a money mule, read that guide too. ADVICIFAS Pro writes every letter for you to review and send.
