How do I find out why I’ve been turned down for credit?

If your credit score is too low, you’ll be turned down for credit or borrowing. If this happens, we can usually tell you the reason but we can’t give you the details.

If it’s because the credit-reference agencies we use – Experian, Equifax and Callcredit – have detrimental information registered against you, you can get this information by contacting them directly. Please provide them with your full name, date of birth and all addresses that you’ve lived at within the past 6 years. The charge is £2, which you can pay online or by cheque or postal order.

Experian Ltd
Experian Credit Report Services
PO Box 1135
WA55 1 EP
Telephone: 0844 481 8000

Order your file online with Experian 

Credit File Advice Centre
PO Box 1140
Telephone: 0844 335 0550

Order your file online with Equifax

Callcredit PLC
Consumer Services
Callcredit Limited 
PO Box 491 

Telephone: 0845 366 0071

Order your file online with Callcredit

Find more help here