Credit application rejected

Candyapple

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

Is he on the electoral roll? Does it show across all 3 files?

Does his bank account show on all 3 files?

Does he have a mobile phone contract? Does this show on all 3 files?

Is his Vanquis credit card showing on all 3 files?

Get him to ask Halifax to upgrade his bank account from a basic one to a normal current account.

kiskitti

he is on electoral roll, but it just shown at the Noodle report, we don't know why. The bank account is on all the three,as well as the Vanquis one, but he just has a company phone. I will tell him to upgrade the acc, thank you.

KittenChops

kiskitti wrote: »

he is on electoral roll, but it just shown at the Noodle report, we don't know why. The bank account is on all the three,as well as the Vanquis one, but he just has a company phone. I will tell him to upgrade the acc, thank you.

You said you are renting a flat.. Does the flat address appear exactly the same on all three reports? And does the address appear exactly the same on all bank, credit card, mobile phone etc accounts?

For example, if you live at "Flat 1A, This Road, This Town, AB12 3CB" but your address is shown on one or more things as "Flat 1A, This Building, This Road, This Town, AB12 3CB" this could explain why some of his information is missing from some of the reports. (Or the credit reference agencies will regard these as separate, linked addresses, and will therefore view your partner as having credit accounts at more than one address, which doesn't look good.)