Credit Reference

The reference body can not decide if you qualify for credit or not. The lender will form an opinion on information provided by the reference body on your credit history and then approve or reject your credit. A majority of creditors operate a points system for the information they receive from the Agency of credit services with other information such as age, occupation, if you own a house. This helps them decide to give you credit or not. But if you watched the other creditors know where to find the best, it will appear on your credit history and some creditors you may deny credit because of it - even if you can not accept any bid in the folder . To avoid this situation, it is advisable to compare credit given citations and awards.

Creditors are not obliged to tell you why you were denied credit, other than what he has to do with your credit reference, which is beyond their control. If you are not satisfied with their decision, you have the right to revise this decision.

You also have the right to add a 200-word statement on your credit rating that you feel can make a difference to business decision credit will do for you.