Always Declined Credit - Help!?

UppaTown

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!

D3xt3r5L4b

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

Has she looked at her credit file in detail - is everything on there correct - electoral roll, addresses, accounts, financial links etc.

p00hsticks

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

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

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.

SpreadableToast

MalMonroe said:

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.

Yes, you are.  There is no personally identifiable information in the OP's post and frankly, you have no idea if the OP has permission to post this or not.

In other words, mind your own beeswax. Given your propensity for posting incorrect information, I'd be keeping quiet, but we all know you won't bother with that.

MalMonroe

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.

SpreadableToast

MalMonroe said:

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.

His partner is not James Bond.  Their credit files are not "for their eyes only" and they can, and likely will, share things like this with them because that is what people in good relationships do.  There is nothing to suggest that the OP has obtained this information behind their partners back.  You know what they say about assuming...

mr_stripey

MalMonroe said:

UppaTown said:

Hi Everyone,

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.

You're way off the mark Pal. People use forums for all sorts of reasons often to discuss things which they can't face to face.
In the ideal world we'd all sort things out by talking it over but very often it is not easy to do so.
The OP came here asking for help not for your judgement on whether he should be asking or not.

UppaTown

D3xt3r5L4b said:

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.