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I feel there needs to be more transparency by lenders when it comes to personal finance. Lenders keep their lending criteria under lock and key which does not help a loan applicant who is declined, simply giving the excuse they do not meet lending criteria. Being transparent will help stop an applicant from having an unnecessary enquiry made on their credit file which affects later applications. People will try different lenders if they get declined from one as each lenders criteria will be different.
Matt
Collingwood Park QLD