Cifas and credit score

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MannyManny
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#1
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Hello my account got locked due to fraudulent activity when I was 16 or 17 can't remember it's been four years and I've got 2 more years to go till I'm removed from blacklist. My question is since I was under age and therefore didn't have a credit score would it have affected my credit secondly now that I'm over the age 18 as I am 20 now will
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IWMTom
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(Original post by MannyManny)
Hello my account got locked due to fraudulent activity when I was 16 or 17 can't remember it's been four years and I've got 2 more years to go till I'm removed from blacklist. My question is since I was under age and therefore didn't have a credit score would it have affected my credit secondly now that I'm over the age 18 as I am 20 now will
You need to understand that a "credit score" is a made up number that has no bearing on how lenders will treat you.
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Reality Check
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(Original post by MannyManny)
Hello my account got locked due to fraudulent activity when I was 16 or 17 can't remember it's been four years and I've got 2 more years to go till I'm removed from blacklist. My question is since I was under age and therefore didn't have a credit score would it have affected my credit secondly now that I'm over the age 18 as I am 20 now will
CIFAS never affects your credit score - as IWMTom says, you're mixing up two things. CIFAS is a fraud database, entirely separate from a credit score. You could have a 'perfect' Experian credit score of 999 but if you have an entry against you on CIFAS, no lender is going to touch you with a bargepole.

Essentially, you will be locked out of any sort of mainstream credit until the CIFAS entry is removed from the register - which as you say is another two years. Your age, both when you collected the CIFAS entry and now are irrelevant.
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struggler07
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(Original post by MannyManny)
Hello my account got locked due to fraudulent activity when I was 16 or 17 can't remember it's been four years and I've got 2 more years to go till I'm removed from blacklist. My question is since I was under age and therefore didn't have a credit score would it have affected my credit secondly now that I'm over the age 18 as I am 20 now will
It could affect your chances to get credit even after it goes since you haven’t had credit in 6 years
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