creation finance

adamcarvell

right ok last week applied for online finance for a dell pc through creation finance I was refused ? redirected to Equifax im at a loss here as to what's going on im a 47 year old home owner got car loan gas electric water council tax the lot never missed a direct debit payment two credit cards one with nothing on the less than £800 never in my life have I defaulted im in full time employment same company 13 years lived at this address last 7 yet refused £500 dell computer could have used my credit card last week been playing on it now. and earlier in the year went into Tesco for monthly contract phone some smart arsed youngster who served said you cant you failed credit check I nearly fell of the chair so embarrassed went home that day got the deal online instead passed the credit check what's that all about. im thinking am I victim of fraud can someone advise me please these credit check company's like Equifax reviews said they are nightmare .

adamcarvell

anyone out with advice on what I should do to get to the bottom of this ?.

chanz4

whats on your Equifax file

adamcarvell

I haven't used Equifax or any of them yet I read the reviews online about Equifax and was put off.

RichL74

Pay £2 and get a copy of your report from Equifax and Experian. £2 to each. Don't sign up for any free trials and don't consider any credit score or rating from either - just see what they have on you and if it is all accurate.

adamcarvell

ok but don't see the £2 option on Equifax and I am not signing up for anything either I only want to see what the error is and get it corrected never ever missed a payment been late with one either.

rizla_king

http://www.equifax.co.uk/Products/credit/statutory-report.html

adamcarvell

ill get the paper one for £2

adamcarvell

We regret having to decline any customer’s application for credit but we set our minimum acceptance score based on expert advice and our knowledge of previously accepted accounts. When a new application for credit is completed by the customer the application is assessed by allocating each piece of information on the application a relevant score.

There are four main reasons why your application may have failed which are as follows;

1. Information provided by a credit reference agency or
2. You may not have passed Creation’s internal credit score or
3. There may be a specific internal lending rules that we apply or
4. Key fields in your application may not have been completed or are inconsistent.

Our decision not to provide credit facilities at this time may be due to one or more of the reasons listed above.

On this occasion, the main reason for decline was due to internal lending rules that we apply.

Unfortunately, company policy does restrict me from informing you of the breakdown of this scorecard. I can however tell you that we do consult credit reference agencies in order to assist with the credit scoring process.

adamcarvell

got that back from creation finance.

chanz4

they don't like you, job status or make money from you