why cant i get credit?

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there have been several occassions recently that i have tried to get credit and been told i am not allowed to have it,i genuinely do not understand why not as im am not aware of any bills,debts etc i have defaulted on it is becoming a real inconvenience as my partner has to get any credit we need which is less than average i look forward to hearing from you jenny

-- jennifer williams (sonarno1@aol.com), December 21, 2003


There could be many reasons why you've not been granted credit. I would suggest that you send off for your credit file from the credit reference agencies (addresses are listed elsewhere on this site). This should give you an idea of what is wrong.

-- pendle (pendle_666@yahoo.co.uk), December 26, 2003.

Hi Jennifer.

There could be any number of reasons why you are not deemed creditworthy. The whole issue of credit references is getting out of hand and if they are not careful, there will be no one left to lend to !!

Usually, they check for voters roll, bad credit and defaults. Also, a late payment to ANY creditor can cause you an problem. It often depends on the type of credit you are applying for. Intrest free credit for example requires almost perfect credit. Of course it is also hard to get credit unless you "have other credit" which sounds mad but is nevertheless a fact. Finally, just as a naughty (but important) point your patner may have bad credit that has not yet shall we say, come to light ! The previous point on getting your full credit report will reveal all to you. Good luck.

-- (tony@usefulpages.com), January 13, 2004.

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