Refused Credit Card

Annie_Fanny

Hi moneysavers!

Just wondered....the Halifax have refused me their 'One Card' credit card....can I appeal this decision? I ordered my 30 day free trial from Experian, (Equifax declined my application!), to get my credit report and there seems nothing untoward on there. My Experian account is now closed I hasten to add, (what a good little money saver I am!) Am slightly concerned that one of my old addresses the previous tenants may have been less than angelic. Will this affect me?

Also wondered can you be refused a current account? Am currently trying for the First Direct account which offers a £50 joining incentive:
http://www.firstdirect.com/index.html

Any advice greatfully received!

Annie

pin

Get your statutory report from Equifax (costs £3).

It could be Halifax's internal scoring that made you declined.

I've just been declined by Amex, although I have previously owned an Amex card, reason was didn't meet their internal scoring. However last week I just got a new contract phone.

Each organisation will have their own criteria.

grumbler

pin wrote:

Get your statutory report from Equifax (costs £3)

In fact £2: https://www.econsumer.equifax.co.uk/consumer/uk/sitepage.ehtml?forward=gb_elearning_credit14

Annie_Fanny wrote:

....can you be refused a current account?...

Yes. Generally banks have no obligations to give you a current accout. Application for a normal current accounts (with overdraft and cheque quarantee card) involves credit search and scoring. Probably the same is for some basic accounts too.

Patmoore

I strongly recommend you getting your credit report from Equifax too. I had problems joining them online, I then phoned up and had myself verified over the phone. I then took up there 30 day free offer.

I then compared reports and there was a bit of difference between the two of them. The equifax report included information about an apparent missed payment, which was down to a billing error. My experian report was clean as it can be.

So it's worth getting your hand on both.

Annie_Fanny

Thanks for advice so far. I will give Equifax a call tomorrow although Halifax did say that they acquired their information from Experian. I will call Halifax to see if I can glean anymore information although I'm sure the general answer will be "Computer says no".

!!!

pin

Grumbler, sorry, yes you are right, its £2. My bad.