Credit card refusal

dr_adidas01

kokolino23 said:

Just managed to check my credit file on Clearscore and there is no search on my account at all. I can see all my previous ones, including insurance, broadband, etc but nothing from Tesco or another cc search in the last few weeks.
So looks like they didn't even bother and the decision was purely internally as told already. 
Must be something to do with keeping the previous cards during the promotion period.

Tesco bank don't use Clearscore (Equifax) for credit searching they use Experian  so there will be no search recorded on Clearscore (Equifax).

You may want to check with Experian if you want to see if they have searched you, credit isn't a right and all organisations can choose whom they want as customers.  As has already been said by other posters on this thread they may simply not want you as a customer or you don't fit the type of customer they want to do business with.

If you keep opening and closing accounts with Tesco bank they why would they want you as a customer, as you're not profitable to them.

kokolino23

dr_adidas01 said:

kokolino23 said:

Just managed to check my credit file on Clearscore and there is no search on my account at all. I can see all my previous ones, including insurance, broadband, etc but nothing from Tesco or another cc search in the last few weeks.
So looks like they didn't even bother and the decision was purely internally as told already. 
Must be something to do with keeping the previous cards during the promotion period.

Tesco bank don't use Clearscore (Equifax) for credit searching they use Experian  so there will be no search recorded on Clearscore (Equifax).

You may want to check with Experian if you want to see if they have searched you, credit isn't a right and all organisations can choose whom they want as customers.  As has already been said by other posters on this thread they may simply not want you as a customer or you don't fit the type of customer they want to do business with.

If you keep opening and closing accounts with Tesco bank they why would they want you as a customer, as you're not profitable to them.

That's fine, their refusal doesn't upset me at all, my credit score is very high and I can apply somewhere else. I wish I didn't bother with them in the first place.

[Deleted User]

kokolino23 said:

dr_adidas01 said:

kokolino23 said:

Just managed to check my credit file on Clearscore and there is no search on my account at all. I can see all my previous ones, including insurance, broadband, etc but nothing from Tesco or another cc search in the last few weeks.
So looks like they didn't even bother and the decision was purely internally as told already. 
Must be something to do with keeping the previous cards during the promotion period.

Tesco bank don't use Clearscore (Equifax) for credit searching they use Experian  so there will be no search recorded on Clearscore (Equifax).

You may want to check with Experian if you want to see if they have searched you, credit isn't a right and all organisations can choose whom they want as customers.  As has already been said by other posters on this thread they may simply not want you as a customer or you don't fit the type of customer they want to do business with.

If you keep opening and closing accounts with Tesco bank they why would they want you as a customer, as you're not profitable to them.

That's fine, their refusal doesn't upset me at all, my credit score is very high and I can apply somewhere else. I wish I didn't bother with them in the first place.

Your credit score is not used in the decision, lenders do not see it, only the data on the file.

Check all 3 free reports first for any errors before applying again

kokolino23

Deleted_User said:

kokolino23 said:

dr_adidas01 said:

kokolino23 said:

Just managed to check my credit file on Clearscore and there is no search on my account at all. I can see all my previous ones, including insurance, broadband, etc but nothing from Tesco or another cc search in the last few weeks.
So looks like they didn't even bother and the decision was purely internally as told already. 
Must be something to do with keeping the previous cards during the promotion period.

Tesco bank don't use Clearscore (Equifax) for credit searching they use Experian  so there will be no search recorded on Clearscore (Equifax).

You may want to check with Experian if you want to see if they have searched you, credit isn't a right and all organisations can choose whom they want as customers.  As has already been said by other posters on this thread they may simply not want you as a customer or you don't fit the type of customer they want to do business with.

If you keep opening and closing accounts with Tesco bank they why would they want you as a customer, as you're not profitable to them.

That's fine, their refusal doesn't upset me at all, my credit score is very high and I can apply somewhere else. I wish I didn't bother with them in the first place.

Your credit score is not used in the decision, lenders do not see it, only the data on the file.

Check all 3 free reports first for any errors before applying again

I can only see the one from Clearscore (Equifax), can't figure out how to see the one from Experian even though I've got an account. Not sure what's the 3rd one. Cheers

MrFrugalFever

https://www.creditkarma.co.uk/

https://clubs.moneysavingexpert.com/creditclub/login?_ga=2.195666735.242760021.1639157176-1685159355.1639157176

https://www.clearscore.com/

These are the websites that offer free access to view your data held by TransUnion, Experian & Equifax.

Once you've logged in to these it's really not that difficult to see your details and data held against you and using the eligibility checkers it will give you a good indication of what you are able to apply for (although never guaranteed - every lender has the right to decline you for whatever reason they see fit)

Thrugelmir

kokolino23 said:

dr_adidas01 said:

kokolino23 said:

Just managed to check my credit file on Clearscore and there is no search on my account at all. I can see all my previous ones, including insurance, broadband, etc but nothing from Tesco or another cc search in the last few weeks.
So looks like they didn't even bother and the decision was purely internally as told already. 
Must be something to do with keeping the previous cards during the promotion period.

Tesco bank don't use Clearscore (Equifax) for credit searching they use Experian  so there will be no search recorded on Clearscore (Equifax).

You may want to check with Experian if you want to see if they have searched you, credit isn't a right and all organisations can choose whom they want as customers.  As has already been said by other posters on this thread they may simply not want you as a customer or you don't fit the type of customer they want to do business with.

If you keep opening and closing accounts with Tesco bank they why would they want you as a customer, as you're not profitable to them.

That's fine, their refusal doesn't upset me at all, my credit score is very high and I can apply somewhere else. I wish I didn't bother with them in the first place.

Why complain about them then. Simply take take your business elsewhere. A more productive use of your time. Less stressfull too. 

kokolino23

Thrugelmir said:

kokolino23 said:

dr_adidas01 said:

kokolino23 said:

Just managed to check my credit file on Clearscore and there is no search on my account at all. I can see all my previous ones, including insurance, broadband, etc but nothing from Tesco or another cc search in the last few weeks.
So looks like they didn't even bother and the decision was purely internally as told already. 
Must be something to do with keeping the previous cards during the promotion period.

Tesco bank don't use Clearscore (Equifax) for credit searching they use Experian  so there will be no search recorded on Clearscore (Equifax).

You may want to check with Experian if you want to see if they have searched you, credit isn't a right and all organisations can choose whom they want as customers.  As has already been said by other posters on this thread they may simply not want you as a customer or you don't fit the type of customer they want to do business with.

If you keep opening and closing accounts with Tesco bank they why would they want you as a customer, as you're not profitable to them.

That's fine, their refusal doesn't upset me at all, my credit score is very high and I can apply somewhere else. I wish I didn't bother with them in the first place.

Why complain about them then. Simply take take your business elsewhere. A more productive use of your time. Less stressfull too. 

I'm not complaing, I'm just bemused by their refusal even though I think I know the reason now. I'm in a very good financial situation and I'm pretty sure I can get a CC from somewhere else.

kokolino23

Just an update on this, the application was reviewed and approved by Tesco.