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Your Life Is On Hold.
A CIFAS Marker Put It There
Bank accounts closed. Mortgage refused. Job offer withdrawn. Citizenship application at risk. You're being treated like a fraudster — but you're not one.
Check If Your Marker Can Be Removed
CMC Regulated Free Assessment Transparent Evaluation
One Marker. Six Years of Consequences
A CIFAS marker isn't a note on your file. It's financial exile.
You discovered it the hard way — a declined mortgage application, a bank account suddenly frozen, a job offer mysteriously withdrawn.
WHAT A CIFAS MARKER BLOCKS:
✕ Mortgages Lenders see fraud risk and walk away
✕ Bank accounts Existing accounts closed, new ones rejected
✕ Employment Financial services, legal, civil service roles
✕ British citizenship & ILR Home Office good character check
✕ Car finance & contracts Even basic services blocked
THE PROBLEM IS GROWING:
421K Fraud Cases 2024
34K+ Money Mule Cases
61% Affect people under 30
69% increase in FOS debanking complaints since 2020
WHAT MAKES US DIFFERENT:
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We tell you the truth upfront. — If you don't have a case, we'll tell you.
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Resolution first, not litigation. — Most disputes resolve through strategic complaints.
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We understand the immigration stakes. — For many, it's about their future in the UK.
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We know how to frame the argument. — The burden of proof lies with the institution.
How It Works
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Identify the marker — We help you obtain your CIFAS Subject Access Request.
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Gather evidence — We collect documentation supporting your challenge.
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Make formal complaint — We draft and submit to the filing institution.
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Escalate if needed — We take it to the Financial Ombudsman Service.
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Marker removed — You're free to reapply for mortgages, accounts, citizenship
Get Your Free Assessment
Tell us about your situation.
We'll review your case and let you know whether we can help
What is a CIFAS marker? A CIFAS marker is a fraud indicator placed on your credit file by a financial institution. CIFAS is the UK's fraud prevention database. When a marker is placed, it signals to lenders and organisations that you may have been involved in fraudulent activity. The marker typically remains for 6 years.
Can a CIFAS marker be removed? Yes, if it was wrongly applied. Under CIFAS rules, the filing institution must have evidence you were knowingly involved in fraud. If evidence is insufficient, procedures weren't followed, or you were a victim rather than perpetrator, you have grounds to challenge.
Does a CIFAS marker affect UK citizenship or immigration? Yes. CIFAS is designated under the Immigration Act 2014 as the sole provider of Home Office Immigration Data. The February 2025 good character guidance explicitly includes 'financial soundness' as a criterion
What are the grounds for challenging a CIFAS marker? Common grounds include: insufficient evidence (institution cannot prove knowing involvement), procedural failures (no notification or opportunity to respond), victim of fraud (account used without knowledge), first-party fraud misclassification (legitimate disputes treated as fraud), and disproportionate response (marker excessive relative to conduct). The burden of proof lies with the filing institution
What is a money mule and why does it cause CIFAS markers? A money mule is someone whose bank account is used to transfer illegally obtained money. Many people become money mules unknowingly — through fake job offers, romance scams, or by helping a "friend" move funds. Banks often place CIFAS markers on these accounts, even when the account holder was a victim. In 2024, over 34,000 money mule cases were filed, with 61% affecting people under 30. If you were tricked into allowing your account to be used, you may have grounds to challenge.
How long does removal take? Simple cases may resolve in 8-12 weeks. Cases requiring Financial Ombudsman involvement take 3-6 months. Even the longest process is shorter than waiting 6 years for expiry.