Many a times people are rejected or refused car credit because may be they do not satisfy the conditions of the lenders. Some of the many reasons to refused car credit are:

You have County Court Judgements against you: Someone makes a County Court Claim that you owe him money then the Court hears to the case and then decides that u need to pay the money back to that person.

You have mortgage arrears.

You are self employed.

You have a bad credit history.

Many companies refuse car credit to their customers due to the reasons stated above. If anyone is refused a car loan then the company informs the person on what grounds he has been refused the car finance. People refused a car credit because of these reasons can still get their car financed. There are many companies that do not consider these factors valid enough to reject car loans to people.

Sometimes people are refused car finance due to no fault of their own. It might be by mistake that they have been refused car credit. If someone makes a County Court Claim against you, and you consider it as a false claim then you should contact the Court and then inquire by filling up the form in the court.

If the company's decision of refusing car credit on the grounds of your bad credit history then you can get the address of the credit reference agency they had used. You can get your credit report from these agencies and then analyze on your own what the reason could have been for your refuse credit.

If you have already paid your CCJ, then make sure that it has been mentioned as paid in your credit report. Also make sure that all the information about your credit is correct. You should write an application to the agency to update any information that has not been updated or has been wrongly mentioned in your credit report.

If you are self employed don't worry there are many companies in the market that do cater to the needs of the self employed people. You just need to knock at the right door.