At Kroo, keeping your account safe is our top priority. That’s why we work closely with CIFAS, the UK’s fraud prevention service.
What is CIFAS?
CIFAS is a national database that helps stop fraud across the UK. Over 700 banks, credit card companies, insurers, and financial providers share information through CIFAS to spot and prevent suspicious activity.
Why you might have a CIFAS marker
There are a few reasons a CIFAS marker could appear on your record:
You’ve requested one yourself because you’re worried about identity fraud.
We believe your identity may have been used fraudulently, and we’ve added a marker to protect you, not to penalise you.
In some cases, we may have reasonable grounds to suspect fraudulent activity linked to an account. When that happens, we use markers to help protect other customers and prevent further fraud.
We know that mistakes can happen, and if you believe a marker has been added in error, we’ll always review it carefully.
What a marker means
A CIFAS marker is added to the National Fraud Database, where it can be seen by other member organisations. It simply acts as a flag, encouraging extra checks if you apply for financial products or services in the future.
If you think there’s been a mistake
If Kroo has added a marker and you disagree, please get in touch with us first.
Follow our complaints process and share as much information and supporting evidence as possible.
If we agree with you, we’ll remove the marker.
If we don’t, we’ll send you a Final Response confirming that we’ve reviewed your case and are upholding the decision.
If you’re still unhappy, you can escalate the matter to the Financial Ombudsman Service for an independent review.
In short
CIFAS exists to protect everyone from fraud. While markers can sometimes cause concern, they play an important role in keeping accounts safe, and if there’s ever an error, we’ll work with you to put things right.
