All applications are assessed using your personal details and information provided by Credit Reference Agencies. Unfortunately, not every application will meet our business criteria. Below are a few potential reasons we may be unable to offer you a loan today:
- Credit rating – your application might have been unsuccessful due to information on your credit file held by credit reference agencies
- Affordability – as a responsible lender, we are obliged to only lend to customers whom we're confident can afford to pay it back
- Other underwriting criteria
If you'd like to know what information is held by the credit reference agencies you can contact them directly:
Equifax:
Customer Service Centre,
PO BOX 10036,
Leicester
LE3 4FS
Phone number: 0800 014 2955
TransUnion:
Consumer Services Team,
One Park Lane,
Leeds,
LS3 1EP
Phone number: 0330 024 7574
If you received a pre-approved quote on a price comparison website, this pre-approval is subject to fraud, affordability and verification checks.