In order to make a lending decision we need to have at least 6 months of transaction data. If you have switched banks and closed an old account within this timeframe, unfortunately, open banking doesn't allow us to connect to your old bank accounts. This means that we can only see your transaction data from your new account and don't have enough information to offer you a loan at this stage.
However, we encourage you to re-apply once your new account has been open for 6 months.
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