It might be down to a number of factors. As a result, we don't provide reports or notes, and our customer service team don't have access to the detail of why a particular application was declined.

But if you applied via our website directly and you've been declined, we will let you know the name of the credit reference agency by email, so you can check your credit file with them.

Just because you've been turned down now doesn't mean that we'll never accept you. If it's down to a factor you can fix, you might get approved if you apply again at some point in the future.