No, there is no such thing as a blacklist. We only hold factual information about people. This is taken from the public records or is provided by lenders. We do not offer opinions about your creditworthiness (that is, whether you are likely to repay credit).
Lending companies make their lending decisions based on information held by credit reference agencies, additional information you may have provided during your application, and their own internal processes.
Our information shows that most people are good payers and make repayments on time.
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Unfortunately we are unable to answer this question. The shop or lender you applied to made this decision and different lenders base their decision on different factors. We are not told why you have been refused so you would have to ask the lender concerned. It may be that the information on your credit report was taken into consideration but lenders do take other information into account, such as the information you provide on your application form. Credit industry guidelines encourage lenders to give clear explanations about their decisions to refuse credit and they should explain whether the decision resulted from information held on your credit report or as a result of credit scoring.
If you do not have a copy of your credit report you can click here for information about ordering one.
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It is possible, although lenders don't tell us why they refuse applications. Lenders use the electoral roll to help check your name and address when you apply for credit. Companies also take account of electoral roll information at your previous addresses when you apply for credit.
Only the lender you applied to knows why your application was refused. They will be able to tell you the main reason.
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No. If a lender or shop made a search, a record is shown on your credit report but the record does not show whether you were accepted or turned down. 619
Not necessarily. Different companies take different factors into account when deciding whether or not to lend. One company may refuse you a loan while another may accept an application from you. If you are declined you should always request a copy of your report before you make further applications. Multiple applications for credit over a short period of time can influence a lender's decision so it is always advisable to understand the reasons you may have been declined before contacting other lenders.
If you don't have a copy of your credit report you can click here for information about ordering one.
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You can apply for a copy of your credit report via our website. The statutory fee is £2, payable by debit/credit card, or you can sign up for CreditExpert, our credit monitoring service, which costs £49.99, but there is a free 30-day trial. CreditExpert gives its members unlimited access to credit reports and also alerts them by e-mail or SMS text to significant changes to the information held about them.
There are other ways to order your report. Whether you order your report online, by telephone, or in writing, you have the option of a single report (£2), four quarterly reports (£8), or twelve monthly reports (£20).
All report applications are subject to identity verification.
We advise you to also contact the other two UK credit reference agencies for a copy of the information they hold, as it is not necessarily the same. Click here for contact information for other credit reference agencies.
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You need to first have a copy of your credit report before you can make a query about specific information in it.
When you write to us or send a query online about information in your report, we answer and resolve your query as quickly as we can.
The average length of time we take to resolve queries is currently about 8 days. Some queries are resolved more quickly, while others take a little longer, for example when we need to contact other companies for information. We will let you know if we need extra time to help you.
The law gives us 28 days at most to get back to you, but we will always try to give you an answer much faster.
Before you write, phone, or use the 'Query Your Report' tab, please have a look through these Frequently Asked Questions to make sure we haven't already answered your question.
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