Been refused a credit card? Get advice today

NEED A CREDIT CARD?
0800 018 3345

Have you recently had problems applying for a credit card? Have you been turned down for some other kind of unsecured borrowing and don't understand why?

We can help you discover why you were turned down and maybe even help you sort of the problems that may stop you getting credit in the future.

GET HELP IF YOU CAN'T GET CREDIT

"I had applied for several credit cards and had been turned down for every single one. What I didn't realise was that every time I did this, the likely hood of me getting the next one accepted was less.

Thanks for helping me get my credit rating sorted out. I can now get pretty much what I need when I need it. "

Why do you keep being refused credit cards?

When you apply for a new credit card, the card issuer will investigate whether you are a good risk or not by checking with the credit reference agencies to see how you have conducted your finances in the past.

Whilst you do not necessarily have to have an impeccable past, a poor one will certainly hurt your chances of being accepted. Not only are past defaults etc visible on your file but also how many times you have applied for credit and been refused.

Sometimes however, there are things on your reference file that are simple wrong or untrue. We can help you discover what is holding you back and where they are wrong or untrue, we offer debt help to get that rectified.

What are credit reference agencies?

When a company wants to find out whether someone is a good risk to lend money to, they apply to one or more credit reference agencies to find out about your credit history. These companies hold information about everything you have had credit for, applied for credit for and also all the problems you may have had in the past with credit.

In the UK, there are three main credit reference agencies and they can be contacted using the following details.

Callcredit plc
PO Box 491
Leeds
LS3 1WZ
Tel: 0870 060 1414

Experian
Consumer Help Service
PO Box 8000
Nottingham
NG80 7WF
Tel: 0870 241 6212

Equifax Plc
PO Box 1140
Bradford
BD1 5US
Tel: 0870 514 3700

I have been told I have been blacklisted, what can I do?

The existence of a so called credit blacklist is an urban myth. People with a poor credit history are not held on a list for lenders to check and then deny credit.

Can I find out what is held on a credit file about my finances or me?

All of the credit reference agencies will supply you with a copy of what they hold on file about you for a nominal fee. Exact details of what they require are available on their respective websites.

Once you have read what is on that credit report, you will be able to have inconsistencies or mistakes removed and therefore repair your credit rating.

Fill in the form on the left or call 0800 018 3345 Now!