Mortgage refused, credit scoring, help.

Hi all,

Me and my wife have just had a mortgage refused despite passing all affordability tests, the reason is stared as credit score failure and offers some examples as to why, none of which apply to me or my wife!

I know companies don't give a real reason but it creates a catch 22 situation where me and my wife have no idea whats wrong and as such cannot rectify the issue before we appeal or re apply in a few months time, if we re apply and are turned down again it will reek havoc on our credit files.

My wife has no late payment or blemishes what so ever on her credit file and I only have one in the past 12 months which was for a returned direct debit not a late payment.

Can we request an in depth explanation of our refusal under the freedom of information act?

Thanks

Rob