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Always Declined Credit - Help!?

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Hi Everyone,
A really strange one and not really sure who to ask or where to start. Hopefully someone here can point me in the right direction.

I think there may be something wrong with my partner's online/financial profile. Financially, she is always denied credit or only ever offered very little amounts. The highest amount of credit via credit card she has been offered is £400 which is very low compared to what I get offered which is odd given that she has a better financial record than me. Weirdly she also gets declined for things such as Klarna which should be very easy to pass a credit check for (if they even do any). Anything governmental throws up issues as well; in June when trying to get a covid test from the government she got declined for one however I got accepted even though we entered the exact same details. 

I am not sure if everything is linked but I am concerned that if not sorted soon it is going to throw a huge spanner in the works when it comes to mortgages/loans in the future. For reference my partner has a good credit score with Experian and has been out of any overdraft for a few years now since uni.

Any help really appreciated!
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Comments

  • D3xt3r5L4b
    D3xt3r5L4b Posts: 1,852 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    First off ignore the scores.

    What credit accounts does she actually currently have?

    Are there any defaults/late payments/AP’s etc?

    Is she registered in the ER?
  • Emmia
    Emmia Posts: 5,628 Forumite
    Fifth Anniversary 1,000 Posts Photogenic Name Dropper
    Has she looked at her credit file in detail - is everything on there correct - electoral roll, addresses, accounts, financial links etc.
  • p00hsticks
    p00hsticks Posts: 14,430 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Does she have a passport and driving licence ?
    With a thin credit file I'm finding it increasingly difficult to pass security checks without them as regulations are tightened up ....
  • DCFC79
    DCFC79 Posts: 40,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    You need to look at the files before any more can be done.

    You mention overdraft, how many is a few years ? Maybe that's the issue but look at the Experian report and the other 2, post back with the results.
  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    UppaTown said:
    Hi Everyone,
    A really strange one and not really sure who to ask or where to start. Hopefully someone here can point me in the right direction.

    I think there may be something wrong with my partner's online/financial profile. Financially, she is always denied credit or only ever offered very little amounts. The highest amount of credit via credit card she has been offered is £400 which is very low compared to what I get offered which is odd given that she has a better financial record than me. Weirdly she also gets declined for things such as Klarna which should be very easy to pass a credit check for (if they even do any). Anything governmental throws up issues as well; in June when trying to get a covid test from the government she got declined for one however I got accepted even though we entered the exact same details. 

    I am not sure if everything is linked but I am concerned that if not sorted soon it is going to throw a huge spanner in the works when it comes to mortgages/loans in the future. For reference my partner has a good credit score with Experian and has been out of any overdraft for a few years now since uni.

    Any help really appreciated!
    I have 3 questions:

    1.  Am I the only one on this forum who thinks that it is extremely inappropriate and disloyal for you to be discussing your partner's personal and private finances on a public forum?

    2.  Is your partner aware that you are discussing her finances on a public forum?

    3.  If she is aware, does she mind?

    You ask for help and say you don't know where to start but it isn't your problem. Have you even had a discussion with your partner about her finances? That's the place to start. It's not for us to be discussing your partner's financial status on here.

    It's a very sad partnership where you can't sit down and discuss things that are worrying you with each other. Because that's what you should be doing, discussing things with her, privately, not with strangers in public.

    I'm afraid that if I were your partner, you would now be my ex-partner.
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • MalMonroe
    MalMonroe Posts: 5,783 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 25 August 2020 at 12:54AM
    DCFC79 said:
    You need to look at the files before any more can be done.

    You mention overdraft, how many is a few years ? Maybe that's the issue but look at the Experian report and the other 2, post back with the results.
    But they aren't the OP's files. They are not the OP's credit reports. They are his partner's confidential files and reports, how can he 'look at the files before any more can be done' and 'look at the Experian report and the other 2, post back with the results' when they are supposed to be confidential documents for his partner's eyes only?!

    There may actually be some valid reason for the OP's partner to be withholding information from him. It's none of our business. And, for that matter, none of his business either.
    Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.
  • First off ignore the scores.

    What credit accounts does she actually currently have?

    Are there any defaults/late payments/AP’s etc?

    Is she registered in the ER?
    Currently a CC with £400 limit (not been touched) and an account on Very (balance - nil).
    No defaults or late payments.
    Registered on the ER and all addresses up to date. 

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