CIFAS Marker Removal

A CIFAS marker can drastically affect your financial life. It can lead to bank account closures, declined applications, credit issues, business disruption, and even difficulty securing employment in regulated sectors. Because a marker can remain in place for up to six years, acting quickly and strategically is essential.

At MSB Solicitors, we specialise in challenging and removing unfair CIFAS markers. Our team has extensive experience supporting clients across the UK to regain financial stability, protect their reputation, and restore access to essential financial services. Early legal advice can significantly increase the likelihood of a successful outcome.

Our team provides specialist legal advice throughout the entire process. We:

• Assess the validity and strength of the marker
• Explain exactly why it was added and by whom
• Prepare a detailed, evidence-based appeal
• Challenge incorrect or unfair assessments
• Communicate with the bank or financial institution on your behalf
• Guide you through next steps if the appeal is rejected
• Keep you informed at every stage

This area is highly technical and fact-specific. Having experienced representation gives you the best chance of removing the marker and preventing long-term financial harm.

Each CIFAS marker relates to a different type of fraud concern, and each has a specific duration on the National Fraud Database.

1. Protective Registration
   A security marker you can request yourself if you believe you are at risk of identity fraud.
   Duration: 2 years
2. Victim of Impersonation
   Added when someone has fraudulently used your details. It protects you rather than penalises you.
   Duration: 13 months
3. First Party Fraud
   Applied when a lender believes goods, credit or services were obtained without the intention to repay.
   Duration: Up to 6 years
4. Facility Takeover
   Used where a fraudster has taken control of an existing account and carried out unauthorised transactions.
   Duration: Up to 6 years
5. Misuse of Facility
   Applied when an account or product was opened with fraudulent intent.
   Duration: Up to 6 years
6. Asset Conversion
   Used when someone disposes of goods they do not legally own, e.g. selling a car still on finance.
   Duration: Up to 6 years
7. Application Fraud
   Added when false documents or information were provided during an application.
   Duration: Up to 6 years
8. Insurance Claims Fraud
   Used where false details are provided to obtain a payout.
   Duration: Up to 6 years