Well I think you all have just provided me with an answer to my original forum headed 'CREDIT HISTORY!!!". I have a notice of correction on my two credit files which state that I am not responsibile for any of my ex husbands financial dealings and that I am totally independant from him. He has an IVA and had money problems when he left me. I had to buy the house from him and was advised to make these notices of correction to me credit reports. This could be the reason why, even though my personal credit rating and history are excellent without any anomolies, that I have been refused a credit card and a loan. Thank you I will remove them now.