Yesterday I tried to buy a new TV from Currys PC World for £399, and wanted to pay over 12 months with Flexpay, at £30pm. However, my credit application was refused, apparently due to my Equifax credit report. I've gone to Equifax, and signed up for a free trial, so I can try to see what's wrong, and according to them, my credit score is "Excellent", with only 1 credit check over the last 12 months.
Does anyone know why I might have been refused? I've tried contacting Curry's, both by phone & Twitter, but cannot get through to them.
Obviously I don't want to keep applying, as I know that can have an adverse effect on my report, but does anyone know if I'm more likely to be accepted if I go for lower payments over a longer term, or higher payments over a shorter term?
Thanks for any advice!