Rejected

Hannahelhan · 13 September 2017 at 6:15PM

Hi my partner has been rejected for aqua and capital one card. Hes also been declined finance in currys. We cant figure out why. He has a £4000 sofa on hp with his ex partner about 5 years ago but this has always been paid. He used to have a contract phone he always paid. He did have an old bank account with tbs that was constantly overdrawn but hes opened a new one with natwest. Hes on the electrol roll also. Does anyone have any ideas?

YorkshireBoy · 13 September 2017 at 6:17PM

He needs to get copies of his credit reports from the 3 credit reference agencies. Then he'll be able to see what the lenders who are declining him are seeing.

Dobbibill · 13 September 2017 at 6:41PM

Hannahelhan wrote: »

He has a £4000 sofa on hp with his ex partner about 5 years ago but this has always been paid.

Has now or had previously?
Is he financially linked to them?

He used to have a contract phone he always paid. He did have an old bank account with tbs that was constantly overdrawn but hes opened a new one with natwest.

Did he pay off the overdraft?

Check all 3 files with MSE Credit Club, Clearscore & Noddle.
Make sure it's the data held over the last 6 years not the score you look at.

SHill · 13 September 2017 at 8:05PM

Oh and check yours too..

Rejected

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