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 TransUnion – 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
Customer Support Centre
PO Box 9000
NG80 7WF
Telephone: 0800 013 8888 / 0344 481 8000

Order your file online with Experian

Equifax Ltd
Customer Service Centre
PO Box 10036
Telephone: 0800 014 2955 / 0333 321 4043

Order your file online with Equifax

TransUnion International UK Limited
One Park Lane
West Yorkshire 

Telephone: 0845 366 0071

Order your file online with TransUnion