Guides
Most markers stay on file for six years. But they can be removed sooner — and the six-year clock can be reset.
18 April 2026 · 3 min read · The ClearMyName Team
Most CIFAS markers stay on record for six years from the date they were filed. First-party fraud markers stay for six years and cannot ordinarily be shortened.
The bank that filed the marker can remove it at any time if new information comes to light — this is the route we use in most successful challenges.
A common misconception is that ignoring the marker will let it 'age out' quietly. In fact, further applications during the marker period can trigger fresh markers, resetting the clock.
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.
Start your free eligibility check — no obligation, response in 24 hours.
