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  • Has nobody replied? Use a free service such as clearscore to see where you sit. Ideally you need access to your full information as found on Equifax ( https://www.equifax.co.uk ) and CIFAS.

    From experience in a particular financial insitution, there are a number of reasons you can be declined, one is not giving all the information, but more often than not it is a CIFAS load against you. Generally CIFAS is used for when you are a fraudster or defaulted on a loan, phone bill, anything. Some companies are notorious for loading against people just for being late paying their phone bill.

    TL:DR even if you find out your info, it might not make sense. You may need to try a different provider. Don’t try to apply for too many too quickly in succession or this will ring alarm bells on each successive application.

  • It's annoying as I've been soft approved for it.
    Anyway, I'll apply later. But not too late as I need to move money.

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