got declined on mint and mbna

monkeysnail

Hi there. I just got declined by mint and mbna without them checking my cra reports. how come?

I have had no defaults in the past.

With mint, as soon as pressed enter to submit my application, they declined me.

will anyone please let me know why if you know.

thanks

ctm_2

At a guess they probably didn't like something you put on the forms.

Clariman

How do you know that they didn't check your CRA reports ? Have you looked at them since or are you assuming they haven't because you got an instant decision ? They can do online real-time enquiries to Experian which are then analysed automatically by the application processing software to give an instant credit decision you know.

Clariman

daveboy

I've been turned down before, when I had absolutely no borrowing of any description (and of course a very good credit history).

Applying doesn't mean you will get what you are after.

If I want any lessons in how lenders decide who they wish to do business with, I certainly know of one person I won't be asking!

johannamse

Check if you are on the electoral role.

monkeysnail

I checked both my reports 2 hours after I got declined by Mint and 3 days after I got declined by MBNA, no searches from them whatsoever.

i think it's the electoral roll. I am not European, though I have permanent residency.

Chadsman

Are you sure you gave them the EXACT correct address- even one letter out of place would mean they were looking at an address they could not connect to you.

monkeysnail

I'll check my experian now. Thanks

BONJOEY

if you do a credit card application, and you get trned down, the search wont show for up to a month after!