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Dear Anne Jones,

We regret to inform you that your application (applications/22) was declined. That is because of low credit score. We made this decision with an automated scoring system that takes into account the information provided in your application as well as a credit score produced by credit referencing agency (providers/1). Your credit score is 405. This credit score was calculated using data from the categories described in this policy. Your credit score is below the acceptance threshold of 739. Your credit score was impacted by late payment (records/128) and missed payment (records/127).

This application was screened by an automated system to provide you with an instant response at 2024-12-07T03:05:28.632Z. The evaluation was based on the information you provide by your application (applications/22). The system also took into account information about you in credit history report (creditreports/33) provided by credit referencing agency (providers/1). This information relates to your financial wellbeing and your credit history and it was used to determine how affordable and sustainable credit card plan would be for you Our assessment indicated that the commitment of the credit agreement would have an adverse impact on your financial situation. Hence our decision (decisions/33) is to refuse your application.

This decision took into account information on your 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 2024-11-18T00:00:00 for your current address Flat 57T, O'Sullivan trafficway, Williamsside, WF6 8HL, your current address and your previous addresses supplied by Utility Company (records/126) and last updated on 2024-04-03. We received a credit report and credit score from CRA which were calculated based late payment (records/128) on 2024-12-12T18:45:54.495032 and missed payment (records/127) on 2024-12-12T18:45:54.494336.

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 33 will be included in the request automatically.

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