Can I appeal a declined decision because of an adverse credit rating?
Yes. However, this may require a full copy of the credit file from a credit reference agency. Agencies hold information that helps lenders establish individuals’ credit record. We need to see proof that an error has occurred or that the circumstances of the adverse information were exceptional.
You are entitled to see all the information any credit agency holds on you and your business. You can request this information by emailing hello@equifax.com or by post from:
Equifax Ltd
Customer Service Centre
PO Box 10036
Leicester
LE3 4FS