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CIFAS Protective Registration explained

A paid-for flag on your credit file that tells lenders to carry out extra checks before granting credit.

Fraud & Identity Theft3 min readReviewed July 2026

Protective Registration is useful if you've been a victim of identity fraud, lost documents, or are in a vulnerable situation.

The flag lasts two years and can be renewed. Legitimate applications may take a little longer while extra checks are done.

If fraudulent debts have already been taken out in your name, report them to Action Fraud and dispute them with each lender in writing.

General information, not personalised adviceThis article is written to inform. It isn't personalised debt or legal advice, and Debt Compass is not authorised by the Financial Conduct Authority. A team member can talk you through the options and point you to a free debt help service or authorised insolvency practitioner before you decide on anything.

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