As part of the processing of your personalised loan quote we refer to a Credit Reference Agency and use Credit Scoring to determine if we are able to lend you this amount or term.

Your personalised quote has been based on one or both of these factors.

If you would like to obtain a copy of this information or talk to the Credit Reference Agency on ways to improve your credit rating you can contact them by logging onto www.experian.co.uk or by telephone on 0844 481 8000. The agency will charge a small fee for any statutory credit file report.