Ask for an explanation
Contact the lender through the official channel and ask what explanation can be provided. If inaccurate information may have influenced the decision, ask how to correct or dispute it. Do not pay someone who promises to erase accurate credit history.
Look at affordability, not just approval
Submitting repeated applications does not solve an underlying budget shortfall. Recheck your essentials, current commitments and the purpose of the borrowing. If several repayments are becoming difficult, consider a registered debt counsellor.
A previous paid loan or a loyalty benefit would not guarantee a new ClearRand offer.