I am concerned as to why I cannot seem to get any credit.
I have looked at my credit report with Experian and my score is very low at 314.
I have applied for some credit, I am initially accepted for credit, but when they do a credit search with Experian I am immediately declined.
I have a good income of £1000 a month, I have no outlay ie no mortgage and no bills to pay.
The only black mark on my credit file is a default which was issued on the 12th June 2018.
I have objected to the company over the default because I felt the default was unfair because of the account being on hold at the time it was issued.
I have put a Notice of Correction on at the CRA's saying that the account was on hold at the time as I had lost my disability benefit when it was under review.
I have 2 accounts with Capital One, which does have some late repayments, but both are showing as partially settled and both closed on the 19th September 2018.
The ast being Vanquis Bank, some late repayments but paid in full and closed on the 6th June 2016.
I cannot understand why I get initially accepted for credit then declined after a credit check.
Any pointers on how to improve my credit rating and how to find out why I'm being declined!?
I have looked at my credit report with Experian and my score is very low at 314.
I have applied for some credit, I am initially accepted for credit, but when they do a credit search with Experian I am immediately declined.
I have a good income of £1000 a month, I have no outlay ie no mortgage and no bills to pay.
The only black mark on my credit file is a default which was issued on the 12th June 2018.
I have objected to the company over the default because I felt the default was unfair because of the account being on hold at the time it was issued.
I have put a Notice of Correction on at the CRA's saying that the account was on hold at the time as I had lost my disability benefit when it was under review.
I have 2 accounts with Capital One, which does have some late repayments, but both are showing as partially settled and both closed on the 19th September 2018.
The ast being Vanquis Bank, some late repayments but paid in full and closed on the 6th June 2016.
I cannot understand why I get initially accepted for credit then declined after a credit check.
Any pointers on how to improve my credit rating and how to find out why I'm being declined!?
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