went to bank for a loan of 6000 to pay off credit cards. bank was happy i can afford it and when went to the credit search i got declined! Bank said they didnt know why as they are happy that i can afford it.

Over a year ago i put a password on my credit report due to yes loans keep searching it all the time. The lenders who I ask to search are ment to put in a password to be able to search it. However, they didnt need to.

come to think of it i have been declined since i hav put the password on there!

do you think this is why?