Use our Benefits calculator
If you’re living on a low income or have had an income shock, use our Benefits calculator to quickly find out what you could be entitled to.
What to do when you’ve been refused credit
2 minutes to complete
If you’ve been rejected for credit, like a loan, overdraft or credit card, our tool will give you an action plan to improve your chances of being accepted in the future.
Why you should use this tool
- Identify potential reasons why you were rejected for credit, if you don’t already know.
- Understand what you can do to fix things.
- Find out what to do when you're ready to apply again.
How this tool works
Your answers will be confidential. We don’t store or share them with anyone else.
- Answer a few simple questions to help us understand why you might have been refused credit. You won’t need any documents or extra information to fill in the tool.
- Get your action plan with things to do to improve your credit score.
If you’ve been refused a mortgage
This tool won’t help if you've been refused a mortgage. See Why mortgage applications are declined and what to do next instead.
Additional information
Only the lender will know why you were refused credit – you can ask them for a reason but they might not tell you. Don’t worry if you don’t get an answer, you can still use the tool.
If you’re dealing with problem debt, applying for more credit could make things worse. It’s best to get help as soon as possible. You can find free debt advice using our Debt advice locator tool.