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In order to solve the issue of bad credit rejection by your bank, you need to upgrade your creditworthiness. Whilst the primary sources of credit information for credit institutes are credit bureaus, the information they provide is not always accurate. The reason for this is that the agents are third party and have to trust other third party sources to collect data.
Your banks are delaying the submission of a credit assessment from you. In fact, this should be the first thing to do before you apply for a credit or after you have refused a credit because of bad credit. Request a certificate of deposit from your local deposit taker and take out a secure credit against the certificate of deposit.
The credit bureaus take this up in order to increase your credit ratings over the years. In order to get a good story, make sure you use your credit cards on a regular basis instead of keeping them blank for a long while.
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