Here are a few things that can make it difficult for you to have access to credit:
- Opening a lot of credit accounts in a short space of time
- Paying off debt with more credit
- Maxing out all your credit limits
- Having a short track record of good payment behaviour
- Only using one type of credit like having a lot of multiple short-term loans, for example
- You have a number of missed payments
- You have too many accounts open, even when some are paid up
- Having too many loan enquiries by different creditors in order to get a loan approved
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