Could this be causing the referrals?

Sheep

Just wondered what your thoughts are...

Recently i had a call from Santander to say my card was trying to be used in Italy. I explained it wasnt me and they cancelled the card and issued a new one. No money was taken.

Since then every credit application I have made has been referred before a decision can be made. They did get approved a few days later.

I am now in a position that I need a personal loan. I used the soft search on the Post Office website and it said I had 8/10 chance of being approved.

I then started the application and it offered me the lowest apr of 3% but said my application yet again had been referred. How annoying. Hope they dont increase the apr if they approve me.

[Deleted User]

I wouldn't think so unless there is a fraud marker against you.

What do your credit files say?

Sheep

Thanks for your reply. The credit files dont have any cifas that I can see on my noddle report. Updated yesterday

[Deleted User]

Check the other 2

Use Clearscore for Equifax and the MSE Credit Club for Experian

Sheep

I think you may have hit the nail on the head here. When i look.at experian it says 'corrections and quieries' 1 record.

I found this using the MSE credit club. It wont however allow me to click it to find out who registered it or why!

Sheep

So i have found it and its saying something about me disputing something. Do you think this may be the Santander fraudulent transaction? Its.not saying the company has.logged it though. I have tried finding out how I enquire about exacty what it is but so far I cannot find a.number or email address.

Ben8282

Sheep wrote: »

Just wondered what your thoughts are...

Recently i had a call from Santander
Since then every credit application I have made has been referred before a decision can be made. .

Perhaps it is simply that your applications get referred because there have been a large number of them in a short space of time?

Ben8282

Sheep wrote: »

So i have found it and its saying something about me disputing something. Do you think this may be the Santander fraudulent transaction?

I very much doubt that it says 'something' about you disputing 'something'.
It must give more details than that if it is a notice of correction!
There is no reason for Santander to have placed such a notice on your credit files as what is alleged to have occurred in Italy does not appear to be in any way connected with a fraudulent application.
Request the removal of this notice.

Sheep

Just to update. It turns out i did put a dispute on the credit file back in 2015 as my barclaycard balance was 9 weeks out of date.

It must have been on my experian ever since. I called them up and they jave agreed to remove it but it takes 14 days. Grrrrr