CIFAS on my credit file.

[joeh1985]

Hi there,

 

I have noticed that I have had a CIFAS - facility granted placed on my credit file last December for a mortgage application that I got approved for. I am currently looking into having this removed as I feel it has been placed on my file incorrectly due to a mistake by my mortgage adviser who along with the company he had, are no longer in the industry.

 

What I am really worried about though is the fact that the CIFAS warning is placed against my parents address and not my new address. You see I moved out of my parents address last year when I received this mortgage and the CIFAS has remained against that address even though I don't live there. I don't want my parents finding out that this CIFAS has been placed against that address. Should the mortgage company not transfer this cifas from my parents

address to my new one? I feel that it is unfair that the cifas will effect my mum and dad but not me even though it is effectively against my name.

 

Can anyone help me this is really ruining my life right now.

[Guest Old_andrew2018]

Bump

[Hazzinho]

CIFAS at their address won't effect their credit report as it's not against them.

[joeh1985]

CIFAS at their address won't effect their credit report as it's not against them.

 

It will make every application submitted from that address be referred though won't it. Meaning my parents are going to get really suspicious as they have a+ credit and get approved for everything first time of asking.

[craigers]

i don't think it will. it would only be if it was applied for in your name, wouldn't it?

[Paul76]

CIFAS is recorded against the address quoted on the application that the lender received.

 

It isn't moved if the individual named on that application subsequently moves address, as it's used to protect other people at the address as the address could be the target of other potentially fraudulent applications.

 

Lenders cannot decline applications on the basis of CIFAS although they will use this as a reason to ask for proof of residency and ID from whoever makes an application from the address with CIFAS listed there, regardless of who was named on the CIFAS entry.

[joeh1985]

CIFAS is recorded against the address quoted on the application that the lender received.

 

It isn't moved if the individual named on that application subsequently moves address, as it's used to protect other people at the address as the address could be the target of other potentially fraudulent applications.

 

Lenders cannot decline applications on the basis of CIFAS although they will use this as a reason to ask for proof of residency and ID from whoever makes an application from the address with CIFAS listed there, regardless of who was named on the CIFAS entry.

 

So am I right in saying then that every application a person makes for credit from my house hold is going to be referred for a closer look by the lender?

[Hazzinho]

I had CIFAS on my file at one point and it never gave me any problems, people at that address who aren't the person listed can ask for it to be removed, that's what I did.

[postggj]

You Say Last December

 

A Cifas Entry Stays On Your Credit File For 12 Months

 

Wait A Few Weeks And It Will Be Gone

[joeh1985]

You Say Last December

 

A Cifas Entry Stays On Your Credit File For 12 Months

 

Wait A Few Weeks And It Will Be Gone

 

No it can stay on it up until 6 years.

[postggj]

Well I Had One And It Was Off After A Year

 

Post A Link For Confirmation On That If You Would Be So Kind

 

IT APPEARS ON WHAT CFAS MARKER NUMBER IS

Edited November 20, 2009 by postggj

[postggj]

CRAP

[craigers]

CIFAS only stays on for as long as you pay for it, doesn't it?

[postggj]

Cifas Is A Fraud Marker Put On By A Creditor

[craigers]

For Individuals - CIFAS Online

[joeh1985]

For Individuals - CIFAS Online

 

You can have a CIFAS put on if someone steals your identity. You request that and pay for it but lenders can put them on a persons credit file for stuff like lying on loan applications etc. It totally screws up your life and stops you getting any credit and can mess up job applications.

[joeh1985]

CRAP

 

What is?

[postggj]

It Ok

 

I Posted Some Thing That Was Ment For Another Thread And I Deleated It

[joeh1985]

Well I Had One And It Was Off After A Year

 

Post A Link For Confirmation On That If You Would Be So Kind

 

IT APPEARS ON WHAT CFAS MARKER NUMBER IS

 

Lucky you. Do you get credit now no problem? Did you have to fight to have it removed or did it just disapear from your file?

 

I have a CIFAS faciltiy granted.

 

Equifax FAQ

[Maryn123]

I noticed a CIFAS entry recorded on a credit report received from, Equifax about 12 months ago (it was flagged at an address I used to live at years ago). I got another report from Equifax last week and the CIFAS entry had just disappeared so maybe these things are routinely removed after 12 months?

[gavmoulds]

I am confused about all this.....I seem to have loads of CIFAS entries on my file....perhaps that explains a few things...they stretch back over quite a few years.

 

Should I be concerned over them and if so how will they affect me.

[Hazzinho]

I Cifas flag shouldn't cause a rejection, which is why they need to check their files, the cifas will drop off but I don't think the cifasis the issue here.

[Hazzinho]

check your files, once you have seen them you should have a good idea of what the problem is, unless you've got awful credit and defaulted on accounts then there is nothing to worry about. Hopefully it's just a error on one of your reports.