How do lenders make their decisions?
Lenders use a combination of the following to help them make their decision: • Information supplied by you when you apply • Data supplied by a credit reference agency like Callcredit. We help lenders check if you’re on the electoral roll at your current address, if you’ve paid your credit commitments on time and if you have insolvencies or County Court Judgments • Information about any existing accounts you already have with the lender • Their own policies and rules • We can show you the information we hold (this is what lenders access when running a search on you) but only the lender can give you a definite reason for declining you.
