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TransUnion do not receive information on credit application outcomes. Further to this, each lender has their own lending criteria based on their own policies and rules which we do not have access to or influence over. If you’ve been turned down for credit, and would like to know why, please ask the lender directly for the reasons behind their decision. 

While we can’t help with why, we can provide you with a copy of your statutory credit report so you can review the information lenders can see when they perform a credit search on you with TransUnion. This is so you can check the information and raise a dispute to correct any inaccuracies if necessary (see "What is a Notice of Dispute (NOD)?" for information on disputes). 

You can request to see a copy of your statutory credit report either by post here , or online here . Here are some general things to consider when reviewing the information within your statutory credit report:


Financial account information history

Consider how well you have managed your financial accounts over time and how this may look to a potential lender:

  • Are you making your repayments on time and meeting the minimum repayment requirements?
  • How much of your available credit limits are you regularly using, and does it appear you are reliant on credit facilities?
  • How long have you held a well-managed financial account for?
  • Have you missed any payments on one or more of your financial accounts and is it now in default?


Being on the Electoral Register

Being on the Electoral Register is an easy way to show you have a stable address history, and you can be contacted for any money owed. If you’re not already on the Electoral Register, you can apply here. If you are not eligible to register, you may want to add a statement to your credit report to explain why, please see "What is a Notice of Correction and how can I add one to my credit report if needed?" for more information. 


People you are financially connected with

People you are financially connected can have an influence on your ability to obtain credit if their connection to you could have a negative impact on your ability to make repayments. For example, they are financially unreliable.

Make sure you regularly check your credit report to ensure your financial connections are still relevant. If they are not, you can remove them by raising a dispute on your credit report. This process is known as a disassociation and will stop them from having an influence on any credit applications you make in the future.

Rest assured, just living with someone does not create a financial connection. You need to have a joint loan, mortgage, or bank account to create a financial link.


Judgments, bankruptcies, and insolvencies

This information on your credit report can signal that you have not been able to repay your previous debts and so could be higher risk to lend to in the future. If you do receive a judgment, you can get it removed from your credit report if you repay the full amount owed within 1 month of the date of Judgment.