What are credit reference agencies?
Credit reference agencies provide factual information on details of credit agreements, arrears and defaults on credit; records on county court judgments and bankruptcies; and electoral role (also known as the voters roll) information of the borrower. They also retain information relating to the previous and existing records of the customers. These agencies do not keep “blacklists”, nor do they give any opinion about whether or not an unsecured loan should be granted to a particular borrower.

The main credit reference agencies in the UK are Experian Limited and Equifax Plc.

Why are applications on unsecured loans being turned down?
Once the Credit reference agencies give their report on a particular customer, the lending institution makes its own calculations on the basis of the credit report and their own criteria. Unsecured loans can be rejected if the borrower-

• has a poor credit score
• has too many arrears and d
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  the credit history of the borrower. On the basis of this and their own credit policies, they decide whether the borrower should be granted or rejected the loan.

  What are credit reference agencies?
  Credit reference agencies provide factual information on details of credit agreements, arrears and defaults on credit; records on county court judgments and bankruptcies; and electoral role (also known as the voters roll) information of the borrower. They also retain information relating to the previous and existing records of the customers. These agencies do not keep “blacklists”, nor do they give any opinion about whether or not an unsecured loan should be granted to a particular borrower.

  The main credit reference agencies in the UK are Experian Limited and Equifax Plc.
  

  Why are applications on unsecured loans being turned down?
  Once the Credit reference agencies give their report on a particular customer, the lending institution makes its own calculations on the basis of the credit report and their own criteria. Unsecured loans can be rejected if the borrower-

  • has a poor credit score
  • has too many arrears and
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    nts, arrears and defaults on credit; records on county court judgments and bankruptcies; and electoral role (also known as the voters roll) information of the borrower. They also retain information relating to the previous and existing records of the customers. These agencies do not keep “blacklists”, nor do they give any opinion about whether or not an unsecured loan should be granted to a particular borrower.

    The main credit reference agencies in the UK are Experian Limited and Equifax Plc.
    

    Why are applications on unsecured loans being turned down?
    Once the Credit reference agencies give their report on a particular customer, the lending institution makes its own calculations on the basis of the credit report and their own criteria. Unsecured loans can be rejected if the borrower-

    • has a poor credit score
    • has too many arrears and
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      ts”, nor do they give any opinion about whether or not an unsecured loan should be granted to a particular borrower.

      The main credit reference agencies in the UK are Experian Limited and Equifax Plc.
      

      Why are applications on unsecured loans being turned down?
      Once the Credit reference agencies give their report on a particular customer, the lending institution makes its own calculations on the basis of the credit report and their own criteria. Unsecured loans can be rejected if the borrower-

      • has a poor credit score
      • has too many arrears and
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        redit reference agencies give their report on a particular customer, the lending institution makes its own calculations on the basis of the credit report and their own criteria. Unsecured loans can be rejected if the borrower-
        • has a poor credit score
        • has too many arrears and defaults in his past repayment record
        • has done fraud by providing wrong information to the lender and the credit reference agency discloses this
        • has suffered bankruptcy recently
        • is suffering from a CCJ at present
        • has changed his job too frequently
        • often changes his residence
        • has a criminal record
        • has declared himself insolvent recently
        • doesn't have a good DTI (debt to income) ratio

        If your unsecured loan application has been turned down by one lender, it is not necessary that it'll rejected by others too. Every lending institution varies in respect of its credit policies. Some lenders also ignore your credit history and grant you an unsecured loan on the basis of other factors like the DTI ratio, homeowner status, etc.