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Posted by کلیپ های باحال on Sunday, November 6, 2016
If you’ve been turned down for a credit card or loan there are steps you can take to understand why. There are also things you should avoid doing which could make it even harder for you to get credit in the future. Read on to find out more and to learn about alternative borrowing options to consider or avoid.
If you’re turned down for a loan or credit card, the credit card or loan company should tell you whether you were turned down as a result of a search on your credit file. If so, they should tell you which credit reference agency they used. You can ask why they refused you but they don’t have to give you a detailed reply.
But mistakes can happen. If you do spot a mistake, write to the credit reference agency and ask for them to correct it immediately. Make sure you include an explanation about why it’s wrong, and include any evidence you have. The agency has 28 days to act. The relevant detail in your credit report will be marked as ‘disputed’ while they investigate it.
You might ask ‘why have I been refused credit?’. If you have been refused a loan or turned down for a credit card, the worst thing you can do is to keep applying for more credit. Any credit applications you make – successful or not – will show up on your credit file.
Several applications in a short space of time may make lenders think you are desperate for cash. This may damage your credit rating further. Your credit rating affects whether you can get credit and how much you can borrow. It can also the affect the interest rate you may be charged.
If you’re looking to borrow in order to pay off other debts or to help you pay bills and living expenses at the end of the month then it’s worth talking to a free debt adviser as soon as you can. They will be able to help you come up with a plan and avoid getting deeper into debt. Follow the link below for more information.