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joint loan applications - once been refused as a single application

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missc_3
missc_3 Posts: 354 Forumite
Part of the Furniture 100 Posts Combo Breaker
just a quick question.
My husband has lived in Uk for 3 years and has recently applied for a loan of £7500 - which has been refused. He has excellent credit rating, has 3 credit cards which he always pays up at the end of each month (which he done to give him a good credit rating), his salary isnt brilliant but he doesn have any other debts, and even the bank Lloyd TSB cant understand why he was refused (hes defo on the electra roll etc)
Im willing to go on a joint application if it means he is more likely to be accepted. My salary is more than his, I now have NO debts or credit cards but dont have a great credit rating (i had CCj's in the past which were both paid off and are now no longer on my credit history - i checked with expedia)
Is it worth applying as a couple? our basic joint income would stand at £35,000 for the year plus commision.
any help would be great
thanks
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