I applied for a mortgage to be told I failed the credit score. The only thing I can think of is about 5 years ago I consolidated credit cards, overdrafts and personal loan with the HSBC. (I never missed a payment back then or now.) Financially I am fine now though still pay £64 a month on managed loan. Or could it be a Tesco credit card interest free I aquired in december? It has a limit of £900. I maxed it over Christmas but already payed 200 off . Current balance £700 thanks any advice
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