Refused credit

Mati

Hi

I had a missed payment 4 years ago (totally accidentally due to a mix up) of only £89 with Sony card and did pay it in full once I found out but it went on my credit rating and I was refused further credit from anyone.

So I got a Capital One card and have religiously paid it off in full every month for 3.5 years and thought that I would now be able to have an improved score but was turned down after applying for another card.

Is this common and is there any way I can appeal to Experian?

[Deleted User]

You can only appeal to Experian if the info on your file is incorrect.

Have you checked the other CRAs?

Mati

The CC company uses Experian.

InsideInsurance

Mati wrote: »

Is this common and is there any way I can appeal to Experian?

Experian only provide information, they dont make a decision. The lender combined the CRA information with what else you tell them and what they get from other databases like Hunter and come to their own decision.

Mati

I was so surprised that 3 years of good repaying habits ie I even pay before the due date, has made no difference at all to my credit rating.