We are not given the reason why a customer is declined for credit. The authorisation process is carried out by the finance company and Patient Finance has no part in the decision. One of the most common reasons for a decline is often incorrect information being entered in the credit application form. Please ensure you carefully enter all required information. If you wish to find out more about your credit status, please click below for a free copy of your credit report. experian.co.uk, equifax.co.uk, callcredit.co.uk alternatively you can contact Hitachi Retail Finance on 0344 375 5515 option 4