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I've been turned down for credit, how do I find out why?

You'll be turned down for credit or borrowing if your credit score is too low. If this happens, we can usually tell you the reason but we can't give you the details. One reason may be that there's detrimental information registered against you with the credit reference agencies that we use. If this is the case, you can get this information from the agencies directly. You have the right to correct any inaccurate information they hold about you.

Find out more about credit ratings & scores.

The credit reference agencies used by Barclays are Experian and Equifax. They will answer your enquiries in writing at the addresses below. Please provide them with your full name, date of birth and all addresses at which you have lived during the past six years. The charge is £2, which you can pay by cheque (eg pay Experian Ltd) or postal order.

Experian Ltd
Consumer Help Service
PO Box 8000
Nottingham
NG1 5GX

Order your file online with Experian.

Equifax plc
Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US

Order your file online with Equifax.

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Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. 'The Woolwich' and 'Woolwich' are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.

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