Go to page content
Hero image

Find out why your mortgage application was rejected now

Quickly send credit agencies like Equifax, Experian, Transunion and Crediva access requests and find out what mortgage lenders know about you, for free.

Get Started

Why should I find out why my mortgage application was rejected?

You should find out why your application was rejected to stop it happening again, and potentially appeal your application.

By requesting to see what was used in the assessment of your application, your credit files, you can make sure you:

  • know what a lender can see when making a decision
  • can see why previous lending decisions were made about you
  • can stop inaccurate information affecting your credit score
  • can see if you've been the victim of fraud
  • are in the best place to apply for a mortgage, loan, or any form of finance

To do this, simply send a subject access request to Experian, TransUnion, Crediva and Equifax by pressing 'Get Started' above.

What information do they have stored that would have affected my credit score?

Every credit reference agency has its own criteria for what will affect your score, but generally, they're based on:

  • Previous finance agreements
  • Payment history
  • Whether you’re registered to vote
  • The length of your credit history
  • How many applications for credit you’ve made
  • Your earnings

A bad credit score can hurt your chances of a successful mortgage, car finance or loan application. It can also have consequences for smaller things, including mobile phone contracts.

What's that?

A subject access request is a written request to any organisation asking to see all of the personal data they have about you. They have 30 days to reply by GDPR law.

How do I send a subject access request (SAR)?

The easiest way to find out where your information is by sending a request through Rightly.

If you've applied for a mortgage, the lender will have likely used one of these. So, it's important to know what each of them is saying about you.

Simply:

  1. Press 'Get started' and tick which of the four main credit agencies you'd like to send a SAR to
  2. Insert your details for identification purposes
  3. Check your email to send your request

Please note: If you spot something on your credit report that doesn’t look right, you have the right to ask for it to be corrected. They’ll have 28 days to take action on your dispute.

How long until a company responds to my request?

After the company has received your request, they have to reply in full within 30 days, or give a valid reason for asking for an extension. If this happens, our support team is here to help!

What if they don't reply?

Don't worry, by law you can ask any company if they have your personal data, and they have to reply within 30 days, even if you don't know for sure whether or not they have it. They have to tell you what they have, as well as how and why they are using it. This is thanks to your ‘right of access’ under GDPR law. GDPR applies in the UK and EU.

Why Rightly?

We’re free because our mission is to make data fairer, for everyone.

We don't use consumer data for commercial purposes, which means we'll never, ever sell your data. It also means that there are no adverts or hidden costs.

Keeping your data safe