Covid 19 Status

In line with HM Government requirements to fight the spread of Covid-19 we have measures in place to ensure that we protect our staff, their families and the wider community, but also to ensure that there is minimal disruption to our customers.

Your access to online Multi Agency Credit Reports, Expert Help and Account Management remains unaffected. We take great pride in the support that we provide to our customers and throughout this period will do all we can to minimise the impact on our services. While the country remains in lockdown we will continue to support your queries via a dedicated and experienced team that will be securely working from home, and supported by a Management Team that will continue to be based at our head office and who will be able to provide customer support as required.

The security measures that we have in place to protect your Personal Data, in line with our Privacy Policy, will mean that some elements of our personalised support are affected during this period as our support team will be working with anonymised data when working remotely. Freephone access to our Credit Analysts has been removed during this period while we focus our efforts on continuing to reply to all of your emails and secure messages within one working day.

Thanks for your understanding, and we hope to have full customer support available as soon as possible and wish you well during these challenging times.

CREDIT REPORT SERVICES AND ONLINE EXPERT HELP ARE FULLY OPERATIONAL - PHONE LINES ARE CLOSEDCOVID-19 STATUS

ONLINE SERVICES FULLY OPERATIONAL
PHONE LINES ARE CLOSEDCOVID-19 STATUS

ARTICLES POSTED IN 'declined credit'

Refused a Mobile Phone? Find out why

Nowadays mobile phones are more popular than some of our favourite everyday things, like microwaves, pets, and televisions. But are mobile phones really more valuable than hot food, loyal companionship, and Sir Trevor McDonald’s sultry tones? ‘Yes’, say a massive 96% of Brits aged 16 and over, who frequently use mobile phones every day, ‘Trevor McDonald isn’t even on TV anymore.’

Published on 21 Feb 2020 by Sam Griffin

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Declined with an Excellent Credit Score - Why?

Reaching a high Credit Score is a goal that everyone with a sense of financial ambition seems to be chasing. From financially focused professionals to students just starting out and everyone in between, we want to bump that number up just a little bit more.

Published on 9 Jan 2020 by Sam Griffin

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Why Did a Credit Reference Agency Reject My Application?

Whenever you make an application for credit or borrowing, you will almost certainly be subject to a credit check using data from one or more of the UK’s Credit Reference Agencies . It can be an anxious moment while you wait for a decision and sadly there is always a chance that you’ll be turned down.

Published on 4 Mar 2019 by Sam Griffin

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Is My Address On A Credit Blacklist?

If you’re suddenly declined credit there could be any number of reasons behind the lender’s decision, including a lack of credit history, adverse information on your Credit Report or simply an issue with the affordability of what you want to borrow. If there’s one thing that you can be confident of, it’s that your address isn't on a Credit Blacklist.

Published on 16 Oct 2018 by Tom Magor

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10 Things That Might Be Affecting Your Credit File

At some point or another, pretty much everyone has their credit file checked. Whether you’re applying for a job, trying to rent a property, applying for a mortgage, loan or credit card or even comparing insurance quotes, the information your credit file contains will give potential lenders a detailed window into your credit history. It’s about so much more than just your score.

Published on 15 May 2018 by Ben Ryland

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Turned Down For Credit? Find Out Why

Getting declined credit can seem like a huge blow to your plans, especially on potentially life-changing purchases like car finance or a mortgage. Even if you have a good financial history, there are plenty of reasons to get declined credit, and finding out why your application was declined and addressing this problem is the first step to making sure that you won’t be turned down the next time you apply.

Published on 4 Jan 2018 by Jamie Mackenzie Smith

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What to do if you get declined for credit

Have you been declined credit lately? When you apply for a new credit card or a loan, it is likely that you have the money earmarked for something in particular. Perhaps it’s a wedding, a holiday, or consolidation of existing debts. But whatever your reason for borrowing, being declined for credit can really throw you into a panic, especially when you have no idea why you weren’t accepted.

Published on 16 Mar 2017 by Kelly Luff

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Declined for credit, what to do

Being declined for credit sucks. Even if the applicant is an otherwise sensible human being, it’s not always easy to accept that a person or computer has decided that you are not worthy of their finance. Even if you do manage to remain stoic in these situations, sometimes that money was needed for financing your grand plans or for debt consolidation, which can be disappointing and/or stressful.

Published on 22 Nov 2016 by Kevin Pearce

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Small businesses still struggling to find affordable credit

42.4% of credit applications have been turned down, up 1.8% on the previous quarter’s reported experience, according to latest reports from the Federation of Small Businesses (FSB).

Published on 24 Sep 2012 by Barry Stamp

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Another reason not to go bankrupt

The process of entering into a bankruptcy – whether forced or voluntary – is a difficult scenario for thousands of people in the UK each year, but the decision by the Co-operative Bank (Co-op) to stop offering bank accounts to undischarged bankrupts could be about to make things a whole lot worse.

Published on 18 Sep 2012 by Ian Carpenter

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