Nationwide loan decline SAR

Thrugelmir

Apollo14LMP said:

Thank you ... were would they get information like that ? .... is there some secret blacklist ?? 

The credit agencies provide datasets of 72 months of data that lenders run their own internal algorithms over.  Each lender has their own commercial criteria which can change at any time. Fail to meet the criteria for a particular product, amount you've applied for etc, you'll be declined. 

Aspiration

DOB inconsistencies generally indicate it’s a high risk loan, I’d get that corrected first.

maxximus75

Possibly information received from National Hunter (they record credit applicaitons and highlight inconsistencies to lenders).  They would also rely on what they know about you, on their internal systems.

backinbusiness

My advice would be not to take it so personally - you'll never know the real reason.  I think you feel personally affronted that they consider you "high-risk".  It's just business.

BiB