Lloyds Bank CPD/Credit Score

markyp42

Hi heard that Lloyds TSB blacklist people for credit by marking their accounts as CPD (Credit Policy Decline) and once you are on the list you are scr*wed. Is this true? How do I find out if I am on the list?

Also is it possible to find out you Lloyds Bank Internal Credit Rating?

Thanks for you help in advance.

Mark

Fruit_and_Nut_Case

markyp42 wrote: »

Hi heard that Lloyds TSB blacklist people for credit by marking their accounts as CPD (Credit Policy Decline) and once you are on the list you are scr*wed. Is this true? How do I find out if I am on the list?

Also is it possible to find out you Lloyds Bank Internal Credit Rating?

Thanks for you help in advance.

Mark

Welcome to MSE :wave:

This thread may be of interest to you.

BMN

markyp42 wrote: »

Hi heard that Lloyds TSB blacklist people for credit by marking their accounts as CPD (Credit Policy Decline) and once you are on the list you are scr*wed. Is this true? How do I find out if I am on the list?

Also is it possible to find out you Lloyds Bank Internal Credit Rating?

Thanks for you help in advance.

Mark

It isn't a list and it isn't true.

Every month their systems assess what type of credit facilities they in a position to be able to offer you. If they can't offer you a specific type of credit facility then internally the reason could be listed as "Credit Policy Decline".
And this refers to your account conduct e.g. not enough money flowing through the account, regularly exceeding you planned overdraft limit etc.

If you wish to find out about yours then got into a branch and ask a member of staff what credit facilities they can offer you at the moment.