experian credit info and declines

stubruscooby

hey guys quick question

my experian score is over 700 but im still refused finance on things

any explination behind this or am i just being simple?

[Deleted User]

Yes. The score is irrelevant.

Lenders will look at your credit history, income, loan amount and so on.

stubruscooby

is there a way i can see this on experian

because currently there is nothing in my file its blank no loans. or current checks or credit/finance

[Deleted User]

Have you checked the other CRAs for details of your existing credit?

stubruscooby

no just experian. do you have a suggestion for a more accurate one?

YorkshireBoy

stubruscooby wrote: »

because currently there is nothing in my file its blank no loans. or current checks or credit/finance

So what *is* on your file?
How old are you?
What credit products do you hold/have you held, and with whom?

You should possibly also check out Equifax and CallCredit. Suggest just a £2 statutory report for Equifax and www.noddle.co.uk for CallCredit.

And stop wasting money on credit scores from the agencies!

stubruscooby

YorkshireBoy wrote: »

So what *is* on your file?
How old are you?
What credit products do you hold/have you held, and with whom?

You should possibly also check out Equifax and CallCredit. Suggest just a £2 statutory report for Equifax and www.noddle.co.uk for CallCredit.

And stop wasting money on credit scores from the agencies!

im 32

there is nothing on my file no credit history i currently have no loans or finance/credit of any kind so it shows i have zero cases

thanks for the suggestions ill try them

YorkshireBoy

stubruscooby wrote: »

there is nothing on my file

No electoral roll information?
No previous addresses?
No credit searches? (must be some if you're being turned down for credit!).
No financial associates?


Have you had credit products in the past? If yes, how long ago?

stubruscooby

YorkshireBoy wrote: »

No electoral roll information?
No previous addresses?
No credit searches? (must be some if you're being turned down for credit!).
No financial associates?


Have you had credit products in the past? If yes, how long ago?

all my persons data is there previous address ect

no credit check info ect..last time i had anything on credit was a TV almost 6 years ago now

stubruscooby

no it gets weirder. i just tried noodle and callcredit and both cant give me anything as they say the cant verify my identity very weird

Hazzinho

So you have no credit, your credit only stays on 6 years, lenders will be wary as you have no proof of managing credit. You'll need a starter product to prove you can manage credit.