Been refused an account on a poor credit rating I don't have.

Soletraderblues

!!! wrote: »

The “rating” you see online is not the same “rating” that a lender talks about.

So to go the rating the lender talks about I need to apply for an SAR from Barclays and Experian? Are Experian providing Barclays with more info that they tell me about?

[Deleted User]

No Barclays won’t divulge their lending criteria out to joe public.

Soletraderblues

!!! wrote: »

No Barclays won’t divulge their lending criteria out to joe public.

But they do have to tell me what info they hold on me - don't they?

[Deleted User]

Yes.
But not how they score or rate you internally for products and so on.

Soletraderblues

I'm thinking this is not the right place for advice on moving forward, I have received none - which is a bit disappointing - no one had the obligation to help either, so no big deal for you guys - another dead end for me. I'll look elsewhere for consumer experts.

[Deleted User]

What advice are you looking for?

Soletraderblues

!!! wrote: »

What advice are you looking for?

How to move forward - what to do next. You guys all seem very knowledgeable on what I should've/shouldn't have done - but what's done is done and I need to fix it - someway, not be hit over the head for not doing it right in the first place. Maybe you think there's nothing I can do, in which case that is also all I need to hear. But rehashing the past - achieves nothing!

[Deleted User]

Barclays have refused you.
They haven’t specified why?
They’re not obliged to either.