Have you been refused Credit

 If you have been refused credit this could be for a number of reasons. It could be because the information is incorrect or you may just have too much credit outstanding already and they think that you may not be able to take on any more debt. The lender should give you a reason as to why your application has been refused which credit reference agency they used to come to that decision.

Your Credit Report will show things such as:

Are you registered on the Electoral Roll. If not then you should contact your local Authority and get registered.

Has a Bankruptcy Order has been cleared or annulled and this is not shown on your credit report, send a copy of the Order of Discharge or Annulment to all Credit Reference Agencies and ask for your report to be updated.

If you have paid a County Court Judgment make sure it is marked as cleared on your report. If it is not, contact the County Court and obtain a Certificate of Satisfaction and all credit reference agencies will be notified of the change within four weeks. If you believe a judgment has been incorrectly registered, contact the court in question.

If addresses appear on your report with which you have no connection, contact the companies who created the links and ask for the address link to be deleted.

Do not make any more applications for credit once you have been refused. Each application will count as a search of your credit report. Find out why your application was refused before making any more applications.