What is a fraud alert on my credit file and how do I add one?
A fraud alert flags to lenders that your identity may have been compromised, prompting them to take extra steps to verify identity before extending credit in your name — in the UK, Cifas Protective Registration provides this function.
Last reviewed: 10 June 2026
Explanation
A fraud alert on your credit file is a protective measure that signals to prospective lenders that additional identity verification is required before opening any new account or extending credit. This helps prevent a fraudster who has obtained some of your personal information from opening accounts in your name while you are dealing with the aftermath of a scam or breach.
In the UK, Cifas Protective Registration is the main mechanism. It costs a small one-time fee (currently £25 for two years) and flags your file with all Cifas member organisations, which include the major banks and lenders. Future applications in your name will trigger additional verification checks.
In the US, you can place a free fraud alert (initially 90 days, or extendable to 7 years for identity theft victims) with any of the three credit bureaus — Equifax, Experian, TransUnion — and they are required to notify the other two. A credit freeze is a stronger option in the US, preventing any new credit check entirely until you lift it.
This is general information. The specific mechanisms and their effects vary by country. Contact your credit reference agencies directly to understand what is available in your jurisdiction.
Common red flags
- You have been the victim of identity theft or a data breach affecting your personal information
- Your personal documents (passport, driving licence) have been lost or stolen
- You have noticed unexpected credit applications on your file
What to do now
- Apply for Cifas Protective Registration at cifas.org.uk (UK) or place a fraud alert with credit bureaus (US)
- Add a Notice of Correction to your credit file explaining any fraudulent entries
- Check your credit file with Experian, Equifax, and TransUnion for unknown entries
- Continue to monitor your credit file periodically after adding the alert
Frequently asked questions
Will a fraud alert on my credit file affect legitimate credit applications I make?
A fraud alert or Protective Registration will prompt lenders to apply additional verification steps when you apply for credit. This may slow down applications slightly but should not prevent legitimate credit being granted if you can verify your identity satisfactorily.
How long does a Cifas Protective Registration last?
Currently two years, after which it can be renewed. A US fraud alert lasts 90 days initially for a general alert; extended alerts for identity theft victims last up to 7 years. Credit freezes in the US remain in place until you lift them.