We are committed to responsible lending and, as part of this, review each customer’s past financial behaviours and current ability to afford the loan. For this reason, we are unable to lend to individuals with certain credit impairments (learn more about how we make our credit decision). Which is why we ask customers to ensure the information held by the credit reference agencies is correct, before we consider your appeal. If the information showing on your credit report is incorrect, you will need to take this up with your credit reference agency before we decide on your credit appeal, as we use information provided by them in our credit check. Where appropriate, we can then look to review the credit decision upon any corrections being made in your customer facing credit report. For more information about your credit history, please visit Experian. You can raise an appeal by contacting SUL and completing our form. If you do decide to appeal you will be asked to provide a valid reason(s) why your appeal should be heard and a copy of your customer facing credit report.