Joint account - rejected application

Bodders11

Hi all, 
My girlfriend and I have exchanged contracts on a house purchase and will be completing imminently. We decided to apply for a joint bank account from which we would pay all our bills. We opted for the Santander 123 Lite account, however our account application was declined. The declined leaflet states that they assess the application on two criteria: 1) Does it make sense for the individual(s) concerned to take on the financial commitment – do we have any information that suggests they will be unable to do this?; 2) Is the risk acceptable?
We both have good/excellent credit scores (mine is considered excellent on Experian) and neither of us have any been rejected for any credit nor missed any payments. We both earn above average salaries, though I'm not sure if that has any influence. Therefore, I'm at a loss as to understand the rationale for their decision. I don't know why we would be considered a "risk" or what information they have about us that suggests we are unable to "take on the financial commitment". Could the recent mortgage application have influenced their decision? I have requested the statutory report from Experian for clarity. I'll explore the possibility of other joint accounts but I don't want this too have any damage to my credit score. 
Thanks in advance for any opinions. 

[Deleted User]

You need to check all three of your credit files, but disregard the scores they give you as they're not used in credit decisioning and are not an accurate measure of anything.

See if there is anything nasty lurking on them for either of you.

Hasbeen

Bodders11 said:

Hi all, 
My girlfriend and I have exchanged contracts on a house purchase and will be completing imminently. We decided to apply for a joint bank account from which we would pay all our bills. We opted for the Santander 123 Lite account, however our account application was declined. The declined leaflet states that they assess the application on two criteria: 1) Does it make sense for the individual(s) concerned to take on the financial commitment – do we have any information that suggests they will be unable to do this?; 2) Is the risk acceptable?
We both have good/excellent credit scores (mine is considered excellent on Experian) and neither of us have any been rejected for any credit nor missed any payments. We both earn above average salaries, though I'm not sure if that has any influence. Therefore, I'm at a loss as to understand the rationale for their decision. I don't know why we would be considered a "risk" or what information they have about us that suggests we are unable to "take on the financial commitment". Could the recent mortgage application have influenced their decision? I have requested the statutory report from Experian for clarity. I'll explore the possibility of other joint accounts but I don't want this too have any damage to my credit score. 
Thanks in advance for any opinions. 

You will now get posters replying saying your made up credit score even at excellent is meaningless  as only you can see it.
Companies are interested in your credit history/report.
Check for free below.
https://www.moneysavingexpert.com/loans/check-free-credit-report/

Bodders11

Thanks for the link. Just checked mine using the Check My File website and all positive. I'll ask my girlfriend to do the same. Can only think it's linked to the recent mortgage application.