Credit rating is basically meaningless and all creditors use their own criteria.
Are you correctly shown on the Electoral Roll ?
Rating apart, are there any defaults or other nasties in your recent past --- have you seen a copy of your reports from all agencies? The lender might not use Experian.
How long have you been in your current job ?
What other loans do you have outstanding?
There are a lot more things than a credit score to getting a loan.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
No one can give you THE answer as only the lender can tell you about you.
The credit file holds facts about you.How the C agencies interprete these facts in deciding on credit is very much their interpretation.
It does not mean you are not creditworthy....other lenders may think differently.
I would not apply for credit again for a 3 months though.Then try again if you must.
