Question 1

What is a CIFAS marker?

Accepted Answer

An entry on the National Fraud Database held by CIFAS, filed by a bank or lender. Markers restrict your ability to open accounts, borrow or get credit for up to six years.

Question 2

How do I check if I have one?

Accepted Answer

Submit a free Subject Access Request to CIFAS at cifas.org.uk — they must respond within 30 days.

Question 3

Can markers be removed early?

Accepted Answer

Yes. If the marker was unfair, procedurally wrong or the bank cannot evidence it, we can have it removed.

Question 4

How long does a case take?

Accepted Answer

Most CIFAS cases resolve in 2–8 weeks. Ombudsman cases can take 3–9 months.

Question 5

What's your success rate?

Accepted Answer

About 99% of the cases we accept end in full removal or a favourable settlement. We only accept cases we believe in.

Question 6

Do you charge if you don't win?

Accepted Answer

Our fee structure includes a reduced fee for unsuccessful outcomes. We'll explain this clearly before you commit.

Question 7

How much compensation can I get?

Accepted Answer

Typical Ombudsman awards range from £750 to £15,000 depending on harm. Consequential losses are additional.

Question 8

Will removing a marker fix my credit score?

Accepted Answer

Removing a marker won't automatically update your credit file, but we can dispute related credit entries as part of the same case.

Question 9

What if my bank refuses?

Accepted Answer

We escalate to the Financial Ombudsman and, where appropriate, the ICO and FCA. Escalation is included in our fixed fee.

Frequently asked questions

About CIFAS markers

Working with us

Compensation & outcomes

Ready to clear your name?