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Northern Rock decline on poor credit score excuse
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If a lender refuses your application based entirely on a credit score they have calculated then you have the legal right to appeal against this and to ask the lender to refer your application to an underwriter for manual review. This right was introduced when the Data Protection Act was revised in 1998.
Checking your credit reports is a good idea but, as others have suggested, lenders base their scores on several sources of data and your credit rpeort is just one of these.
James Jones“Official Company Representative
I am an official company representative of Experian. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"
Posts by James Jones, Neil Stone, Stuart Storey & Joe Standen0
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