Reply to Lana
I am still unable to figure out what the issue with my credit rating is. I got a mortgage without any problems but I can't get things like a mobile phone contract without having to put a deposit or even credit on furniture or store cards? So how do I figure out why I sometimes get declined credit??
If everything on your credit report looks OK you have to go back to the company that said "no" to you. Only they know the reason they've refused you credit. It could be something to do with the information that you've provided on your application form, for example you may not earn enough.