Lloyds rejected my application for a credit account and my Experian credit score (806 point) dropped 46 points as a result of the hard credit check. I'm a local small business owner (IT industry) with an annual pre-tax income of over £90000. In addition, together with our international Canadian partner, we have successfully launched a new business (retail and wholesale online) in the last few months and are already expecting revenues from there in the next month. We now receive £2000+£2000 in salary (for me and my wife) and £2000 in dividends from my company every month. Also, for comparison, in Ukraine I have a limit on my credit card of over £5500. My family moved to the UK just over a year ago from Ukraine because we have a war there and the safety of our little kids is our top priority. I fought in our army as a military engineer and after my region was de-occupied I returned to my family and we moved to the UK (to a safe place). My family didn't ask for any help from the UK government, also we rented the property ourselves using a local lettings agency. On your website, your company wrote about supporting Ukrainian refugees, but sometimes words are just words. Thank you for the lesson.