View Decision

Dear Adrian Freeman-Kennedy,

ABC Bank regrets to inform you that the borrower's application (applications/11) was declined. That is because of low credit score. ABC Bank made this decision with an automated scoring system that takes into account the information provided in the borrower's application as well as a credit score produced by credit referencing agency (providers/1). The borrower's credit score is 201. This credit score was calculated using data from the categories described in this policy. The borrower's credit score is below the acceptance threshold of 739. The borrower's credit score was impacted by missed payment (records/57), missed payment (records/56) and late payment (records/55).

This application was screened by an automated system to provide you with an instant response at 2024-11-17T06:41:51.323Z. The evaluation was based on the information the borrower provides by the borrower's application (applications/11). The system also took into account information about the borrower in credit history report (creditreports/12) provided by credit referencing agency (providers/1). This information relates to the borrower's financial wellbeing and the borrower's credit history and it was used to determine how affordable and sustainable credit card plan would be for the borrower The company assessment indicated that the commitment of the credit agreement would have an adverse impact on the borrower's financial situation. Hence the company decision (decisions/12) is to refuse the borrower's application.

This decision took into account information on the borrower's application, information we hold about you as well as information about you provided by credit referencing agency (providers/1). To perform identity matching, we received electoral register data last updated on date 2024-11-08T00:00:00 for the borrower's current address Flat 12L, Fletcher mills, Rileymouth, M73 7WZ, the borrower's current address and the borrower's previous addresses supplied by Utility Company (records/54) and last updated on 2024-11-03. We received a credit report and credit score from CRA which were calculated based missed payment (records/57) on 2024-11-17T06:46:12.439558, missed payment (records/56) on 2024-11-17T06:46:12.438985 and late payment (records/55) on 2024-11-17T06:46:12.438281.

You can request that one of our credit officers reviews this decision by clicking the button below. You will receive details of the responsible officer and the progress of the review once the process completes. If you disagree with the decision or you believe there are special circumstances that should be taken into account, you can contact us by clicking the button below. The decision number 12 will be included in the request automatically.

Request human review Contact us File a notice of correction