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Credit application rejected
kiskitti
Posts: 6 Forumite
HI there. My partner has been rejected by the bank when applied for a credit card. It happened 3 times now in 3 years, and we don't understand why, because we have the same history and I have a credit card for more than 1.5 year now, and the credit limit is increasing. He has a good paying job, a stable agreement, we are renting a flat, has no mortgage or any debit, we are living in the UK more than 3 years now, his credit score is at the maximum at any site,we have no kids, so we just don't understand what can be wrong. If you have any idea, I would really appreciate it. thanks
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Comments
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What do his credit files show?
Don't look at the pretend credit scores - you need to be checking the data.
What accounts does he have, what is their status?0 -
what do you mean by what is his files show? He has a basic Halifax account, and 3 months ago he opened a credit builder Vanquis card0
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I mean what appears on his credit files - Noddle, Clearscore, MSE Credit Club?
It sounds as if he has a very thin file and may need some time before applying for something better than Vanquis.0 -
yeah, there was no big thing happened with his financial life, but I would think it is a good think. He set up some direct debits, try to use his card as frequent as he can, but I have no more idea how can he build up a stronger file. I did the same things, and my first applications was successful.
The Credit Reports do not show any suspicious thing, just our address, electoral roll, and financial history0 -
He needs time. At the moment, he's too high risk.
Tell his to use the card regularly and clear in full each month.0 -
How long has he had the basic account. Maybe having basic account is putting them off.Mortgage free wannabe
Actual mortgage stating amount £75,150
Overpayment paused to pay off cc
Starting balance £66,565.45
Current balance £58,108
Cc around 8k.0 -
more than 2 years now. may it help if he choose a bigger account for some monthly fee?0
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Not necessarily one that charges a fee.
Just one that isn't a basic account0 -
okay, I'll them him, thanks. And can it be helpful if I add him as my additional cardholder to my credit card?0
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No. The agreement is in your name.0
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