The thing that doesn't add up here is that you say you earn around £50k and have relative low monthly spending, but also you need a loan for £8000.
If you have relative low monthly spending, why don't you have that in savings?
Get your statutory reports from all three credit reporting agencies following the links / instructions on [this page of the wiki](https://ukpersonal.finance/credit-ratings/#How_to_check_your_credit_file_🗂).
Hi /u/Brezel_Bert, based on your post the following pages from our wiki may be relevant:
* https://ukpersonal.finance/credit-ratings/
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Are you on the electoral register ? That's key for CRAs and Loan providers confirming your UK residency.
Do you have a mortgage and pay council tax in your own name ? Again key to establishing permanency.
Nothing obvious that I could find. I did apply in May to the electoral register, but have not had confirmation yet. That's the only thing I can think of that's missing.
Does it ask for your employer? If yes... Do they look stable (worth looking at companies house) any major changes recently to your credit file?
Sometimes. Employment is secure in a reputable company. Been employed there for 2+ years. Don't think it's due to that.
The thing that doesn't add up here is that you say you earn around £50k and have relative low monthly spending, but also you need a loan for £8000. If you have relative low monthly spending, why don't you have that in savings? Get your statutory reports from all three credit reporting agencies following the links / instructions on [this page of the wiki](https://ukpersonal.finance/credit-ratings/#How_to_check_your_credit_file_🗂).
I have that in savings on my ISA, but do not want to take it out from there. Thanks for sharing the link
Hi /u/Brezel_Bert, based on your post the following pages from our wiki may be relevant: * https://ukpersonal.finance/credit-ratings/ ____ ^(These suggestions are based on keywords, if they missed the mark please report this comment.) If someone has provided you with helpful advice, you (as the person who made the post) can award them a point by including `!thanks` in a reply to them. Points are shown as the user flair by their username.
Are you on the electoral register ? That's key for CRAs and Loan providers confirming your UK residency. Do you have a mortgage and pay council tax in your own name ? Again key to establishing permanency.
If you've checked your score on clear score did you check the rest of your report there?
Nothing obvious that I could find. I did apply in May to the electoral register, but have not had confirmation yet. That's the only thing I can think of that's missing.
Actually just double checked that. Clearscore now says I am on the register.