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Experian what does this mean

layla11
layla11 Posts: 14 Forumite
in Loans
Hi can anyone tell me what doesn't meet their criteria means?

I have a good credit history no missed payments on anything I have had or have.:(

Comments

  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    Please provide more details.....
  • layla11
    layla11 Posts: 14 Forumite
    I was advised by a broker who arranged a BTL for me to contact Nationwide for a loan as they are a sister company to the BTL mortgage I have. It was declined and all they said was Experian say I don't meet their criteria.
  • DCFC79
    DCFC79 Posts: 40,610 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 31 January 2013 at 12:39PM
    layla11 wrote: »
    Hi can anyone tell me what doesn't meet their criteria means?

    I have a good credit history no missed payments on anything I have had or have.:(
    layla11 wrote: »
    I was advised by a broker who arranged a BTL for me to contact Nationwide for a loan as they are a sister company to the BTL mortgage I have. It was declined and all they said was Experian say I don't meet their criteria.

    What are you asking ?

    Are you asking what does it mean when you dont meet the criteria ?

    I get a copy of your report from experian.
  • stephane_2
    stephane_2 Posts: 3,076 Forumite
    It's not that you don't meet Experian criteria....you have been declined by Nationwide. Nationwide has probably checked your credit report with Experian and also with the information you provided them like income, outgoings, mortgage, employment...etc they have declined your application based on the information you provided them. Have you checked your Experian report recently? You need to check that all information are correct.
  • layla11
    layla11 Posts: 14 Forumite
    Thanks for the advice I will get a copy of my report today.

    Also just to say I think this is a fantastic site and really very helpful and thanks to all.
  • DCFC79
    DCFC79 Posts: 40,610 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    layla11 wrote: »
    Thanks for the advice I will get a copy of my report today.

    Also just to say I think this is a fantastic site and really very helpful and thanks to all.

    Make sure you get the free 1.
  • pheonixrising21
    pheonixrising21 Posts: 446 Forumite
    DCFC79 wrote: »
    Make sure you get the free 1.

    You mean the £2 one? Well, there is the free month trial for first time users, but thats all thats free
    Santander Loan [STRIKE]£3003[/STRIKE] £2100
    AA Credit Card [STRIKE]£3148[/STRIKE] £2676
    Natwest OD [STRIKE]£1500[/STRIKE] £1370
    Cahoot OD [STRIKE]£1000 [/STRIKE]£650
    Capital One Card [STRIKE]£641[/STRIKE] £400
    Total [STRIKE](Jan 12)[/STRIKE] [STRIKE]£9546 [/STRIKE] £7196 (Now)
  • DCFC79
    DCFC79 Posts: 40,610 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    pheonixrising21 wrote: »
    You mean the £2 one? Well, there is the free month trial for first time users, but thats all thats free

    Yes that's what I meant
This discussion has been closed.
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