Debt - In N. Ireland

I have been refused credit to buy a new washing machine. What can I do?

This information applies to England, Wales and Northern Ireland

If you have been refused credit, you can re-apply to the same company or try somewhere else. If you are still refused credit, it may be that you have a low credit score. This means that the shop selling the washing machine has used a credit reference agency to look at your credit rating. The shop should have told you that they would use this method to decide whether or not you can have a washing machine on credit.

You can ask the shop which credit reference agency it has used. Write to them and ask for a copy of the file they hold on you. You will have to pay a fee for this, but it is usually quite low. If you think your record has incorrect information about you on it, you can ask the credit reference agency to correct it.

You might also want to look into other methods of paying for your washing machine.

For more about credit and credit reference agencies, see Credit.

Other Frequently asked questions about debt:

• My debts are getting out of control and I can’t possibly pay them all. What can I do?
• I am going to live on my own for the first time and am worried about how to manage my budget. What can I do to prevent getting into debt?
• I think someone may be using my credit card details without my knowledge. What can I do about it?
• A bank that I do not normally deal with has contacted me to chase an outstanding debt. I think I may be a victim of identity theft. What should I do?