Why was I refused credit?

coldoasis

I regularly use my overdraft facility but my bank (Abbey) does not report to the CRAs

Would i be right in thinking then that only Abbey and no other lender would know about my overdraft useage?

izools

Interesting... my OH has an old Abbey account which shows on his credit report, overdraft limit and balance et al...

However Lloyds TSB only report the account conduct status, and not overdraft limit / balance. Seems to vary not only from bank to bank but also customer to customer.

Perhaps it has something to do with the age of the account? Until about five years ago banks didn't report current accounts to CRAs atall really