very good credit profile, but zero credit available ?

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my other half has a very good credit rating but was turned down for a virgin CC by what seems like an affordability issue.
She didnt really mind as she just wanted it for emergencies.

Recently though she applied for a £20 a month orange phone contract which was also denied.
So she signed up to Experian to check it out, everything on there is fine but her available credit is 0 which is strange. She takes home 1100 a month has commitments of 160 a month, a Lloyds loan with a balance of 1600.

She always pays on time and is on the electoral register, worked the same job and lived at the same place 5 years +, her bank Lloyds rank her a 4 out of 9, the lady in the bank said they like to attract customers with at least a rating of 5, so she is above what they look for, she also said they would top up her loan, extend her overdraft that she DOSNT use and give her a CC, so to be turned down for a poxy 20 a month mobile contract and have 0 available credit is puzzling and frustrating.

Any advice greatly appreciated and hopefully a course of action to get this resolved, sorry its a little longwinded, thanks in advance.
Nick.

Comments

  • BugsyBrowne
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    unbalanced wrote: »
    my other half has a very good credit rating but was turned down for a virgin CC by what seems like an affordability issue.
    She didnt really mind as she just wanted it for emergencies.

    Recently though she applied for a £20 a month orange phone contract which was also denied.
    So she signed up to Experian to check it out, everything on there is fine but her available credit is 0 which is strange. She takes home 1100 a month has commitments of 160 a month, a Lloyds loan with a balance of 1600.

    She always pays on time and is on the electoral register, worked the same job and lived at the same place 5 years +, her bank Lloyds rank her a 4 out of 9, the lady in the bank said they like to attract customers with at least a rating of 5, so she is above what they look for, she also said they would top up her loan, extend her overdraft that she DOSNT use and give her a CC, so to be turned down for a poxy 20 a month mobile contract and have 0 available credit is puzzling and frustrating.

    Any advice greatly appreciated and hopefully a course of action to get this resolved, sorry its a little longwinded, thanks in advance.
    Nick.

    How do you know she has a very good credit rating.
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
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    he paid for the score
  • Interhacker
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    unbalanced wrote: »
    her bank Lloyds rank her a 4 out of 9,
    unbalanced wrote: »
    customers with at least a rating of 5, so she is above what they look for,

    Have i got this wrong or have you?
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
    Name Dropper First Post First Anniversary
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    Have i got this wrong or have you?
    If 1 is the best, and this recent thread says it is, then you have it wrong. :)
  • andyg99
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    If she has been declined for a £20 pm Orange phone contract then there is more than likely something lurking on her credit report somewhere as this is not the norm.
  • 7891368
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    unbalanced wrote: »
    my other half has a very good credit rating but was turned down for a virgin CC by what seems like an affordability issue.
    She didnt really mind as she just wanted it for emergencies.

    Recently though she applied for a £20 a month orange phone contract which was also denied.
    So she signed up to Experian to check it out, everything on there is fine but her available credit is 0 which is strange. She takes home 1100 a month has commitments of 160 a month, a Lloyds loan with a balance of 1600.

    She always pays on time and is on the electoral register, worked the same job and lived at the same place 5 years +, her bank Lloyds rank her a 4 out of 9, the lady in the bank said they like to attract customers with at least a rating of 5, so she is above what they look for, she also said they would top up her loan, extend her overdraft that she DOSNT use and give her a CC, so to be turned down for a poxy 20 a month mobile contract and have 0 available credit is puzzling and frustrating.

    Any advice greatly appreciated and hopefully a course of action to get this resolved, sorry its a little longwinded, thanks in advance.
    Nick.


    Available credit refers to how much you already have available to you eg other credit cards

    If she has no other cards is should be zero, try your bank for a credit card.
    War does not determine who is right - only who is left.
  • BugsyBrowne
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    I personally think no body but the banks know about credit scoring TBH,to much available credit you get turned down,not enough available credit you get turned down,the only person who knows these answers is the blo0dy computer....
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