Blog
Notes from the front line
Practical guides and expert commentary on markers, credit and consumer rights.
How to check for a CIFAS marker (CIFAS + all 3 credit agencies)
A complete step-by-step tutorial on checking for a CIFAS marker and reviewing your credit files with Experian, Equifax and TransUnion.
How to check if you have a CIFAS marker (free DSAR guide)
A step-by-step walkthrough of the CIFAS subject access request (DSAR) process — how to check your CIFAS record for free, what the response contains, and what to do next.
Misuse of facility vs first-party fraud: what's the difference?
Both markers look similar but the legal thresholds — and your defences — are very different.
How long does a CIFAS marker last?
Most markers stay on file for six years. But they can be removed sooner — and the six-year clock can be reset.
Compensation for wrongful CIFAS markers: what to expect
Financial Ombudsman awards for wrongful markers typically fall between £750 and £15,000. Here's how the bands work.
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