What are my rights regarding CIFAS warnings?
No CIFAS member organisation that receives a CIFAS warning from the system is allowed to automatically refuse to supply the facility, product, or service to you. They are required to make further enquiries to confirm your personal details before making a decision. However, there are occasions when, even though a CIFAS warning is present and your personal details have been properly confirmed, your application will not be approved. This is because your application is still subject to the member’s standard checks and underwriting criteria and you may not meet them. If this is the case, the member will normally be able to tell you whether the decision was due to a credit score, adverse reference agency credit performance data, or their own specific policies. To receive a copy of the data held about you from the fraud prevention agencies you should contact them directly. If you believe any of the data is incorrect, the details you receive from the agencies will explain how you can have it c
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