CreditCards Blog

So precisely how many people have been CIFAS'd now by Sygma? I'm sure I have read about at least two different people on here. I'm wondering if people considering applying for this card should be warned to avoid it? Once you get a CIFAS I believe that your credit history is totally destroyed adn you will never be approved for any credit products again.

I was CIFASd (cat 4 - application fraud facility refused).

Having a CIFAS flag does not prevent you from getting credit. In fact since they did this I have had credit limit increases and a new credit account opened. It just means that you will no longer be instantly accepted and the application will be looked at manually.

Hi, does Category 4 mean that you are accused of the fraud? If the CIFAS says that you lied on an application I can't imagine another lender is going to open you an account?

i think alot of people are getting confused by the sygma saga, they have done alot of credit checks by creation financial services(fraud) as a follow up enquiry, these are not seen by other lenders thay are just generic checks for id ect and a good thing. i think its because it has the words fraud in it that it panicked people, i only know one other poster who has had a full cifas registered by sygma, and im sure i read that the poster had been the victim of identity theft before. but not 100% sure.

I saw that one Louise. And then yet another one posted today that he has also now been CIFAS'd by Sygma. so 3 people in total.

When I applied for the Flybe card there were two checks done (one recorded and the other not) and I was given a CIFAS Cat4 flag.

I was CIFASd (cat 4 - application fraud facility refused).

Having a CIFAS flag does not prevent you from getting credit. In fact since they did this I have had credit limit increases and a new credit account opened. It just means that you will no longer be instantly accepted and the application will be looked at manually.
were you cif, what company gave you the CIFAS and how long ago?

:o sorry you answered before i asked.

It was me who had the cat 4 as well... I have had credit since then as well. I read it was supposed to wreck anyone at that address' chance of getting credit but my OH got a new bank a/c and credit card no problem after it was placed.
Are they just placing these at random then???

What is a CIFAS Category 4?

I believe there are 8, 1-8 depending Fraud type.

I just looked it up. It says that Category 4 means the applicant has given false information on the application form and their application has been declined. According to the FSA, having a CIFAS category 4 marker is even worse than being an undischarged bankrupt when it comes to getting accepted for further credit products!

It was me who had the cat 4 as well... I have had credit since then as well. I read it was supposed to wreck anyone at that address' chance of getting credit but my OH got a new bank a/c and credit card no problem after it was placed.
Are they just placing these at random then???
How many do you have now is it just 1 or have A&L put one on there as well?

Ha ha!

No, FOS forced them to apologise and remove the false and inaccurate information they placed on my credit file. I did get compo but I wasnt bothered - I've managed to source a VERY old Abbey account that can be used again so I can get rid of A&L soon once and for all!

Re CIFAS -
I did request a notice of correction re the fraud to be placed on my credit file with a note of the dates, crime ref no etc but for some reason Equifax dragged their feet and didnt want to! I have actually had further credit since then, I've drafted a letter to Sygma but my printer is broke - grrr!