www.iva.co.uk

I have few questions I hope you can answer them.

Question 1 : How does the following impact a loan applciation
1.3 dependants
2. IF loan is unsecured and you say your own you own home what proof do they need if any
3. Does reason for loan impact decision. Consoildiation, other

Question 2: The reason I ask is I have £3000 pm of free income after all bills an Excellent Credit rating and have had credit refused. Cannot understand.

dependants-you're responsible financially for someone else, so suppose that this might be depremental
the credit check will show if you have a mortgage, they may ask for a mortgage statement as proof
reason for loan does effect the decision

it could be that you are 'over-committed', when the app is processed it will tot up the credit that you have and calculate if you can reasonably afford the credit. Depending on the criterea of the loan application you may not have scored enough 'points'. The less the APR, the higher score is needed, hence, high APR are usually available to low credit scorers. May well be that you just don't have enough credit history to check, I've known of people who has never had credit, always paid their bills on time and always worked being turned down for credit.
You can get in touch with Experian/Equafax and ask to see your credit file or you can access it online. It will cost you either way but I'm not sure how much.

think there's also callcredit CRA

check this site out, might explain a few things to you
http://www.checkmyfile.com/