High credit score but still refused credit?

karlos100

I have two phones. one with o2 and one with voda. Now the o2 phone doesnt get a signal in our home and as its for my business use i thought id get a voda monthly rolling contract(£15 a month cancel when you want).
I already have a pay monthly with voda at £20 per month. Anyway im now getting refused this rolling monthly contract. As its such a small amount to pay each month i just didnt dare apply for any other credit. I waited 2 months and applied again. Knocked back for a second time so ive paid for my credit score which comes out at 999........its the highest possible score. Whats going on?? I do pay off things early and never pay minimum repayments. Im on the electoral role and am a home owner. What can be affecting it??

Billy_two_speakers

karlos100 wrote: »

I have two phones. one with o2 and one with voda. Now the o2 phone doesnt get a signal in our home and as its for my business use i thought id get a voda monthly rolling contract(£15 a month cancel when you want).
I already have a pay monthly with voda at £20 per month. Anyway im now getting refused this rolling monthly contract. As its such a small amount to pay each month i just didnt dare apply for any other credit. I waited 2 months and applied again. Knocked back for a second time so ive paid for my credit score which comes out at 999........its the highest possible score. Whats going on?? I do pay off things early and never pay minimum repayments. Im on the electoral role and am a home owner. What can be affecting it??

how long have you lived there? has someone else used the address for credit ?

bottleofred

Hi Karlos,

You've got your credit score, but have you got your credit file from all 3 companies, as there may be something on there that is affecting the credit applications. You may have already got this with the score, but if not, it's worth considering.