refused loan on basis of reason not credit rating

thwarted

my partner and I applied for a loan with HSBC this week. The reason we applied with them is because, despite numerous phone calls between HSBC and Experian, our credit rating has not been updated in almost 5 weeks which does not leave us with worthwhile options outside of our own bank (HSBC) (who are supposed to update Experian, but for some reason or the other can't)

Anyway, It took them a day and a half to get back to us with a reply. They said that they can't give us a loan NOT based on our credit report but because of the REASON we've applied.

My question is, will they have left a (refused) footprint on our credit report EVEN THOUGH it has nothing to do with our credit history? And, if so, how would we go about getting it removed (as obviously, it would go against any future applications)?

scottishblondie

If they did a search then it will show on your report, but that is all. There is no way for anyone to tell if you were refused, the only sign would be the absence of a corresponding account but as far as anyone else knows you might have just decided you didn't want their offering. Nothing you can do about it, it'll drop off on it's own after 12 months.