The "fraud" flag you refer to is actually held by CIFAS and is provided to anyone searching your credit file through Experian, Equifax etc.

There are various types of fraud flags, some more serious than others. Information about this is at www.cifas.org.uk. The FAQ section is very useful.

Please note that credit providers etc are not supposed to automatically reject you due to a CIAS flag but many effectively do just that. To politely contradict George, the credit reference agency can't help you since they are only reporting information held by CIFAS. Your ports of call are as follows:

(1) contact the company which raised the CIFAS flag in writing - its quite possible it is a genuine misunderstanding or error. Ask them to remove it.

(2) if the above fails, there is a dispute process with CIFAS themselves. Again, consult the FAQ section of the CIFAS site for information about how to do this.

I hope that this helps.