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Hi How can I help?
I am reading your question and will respond.
Have you checked each other credit scores?
Credit reference agencies take into account a numbers of factors - missed/late payments -amount of credit already obtained etc.
How much was the amount of the loan? Was to be taken in joint names?. Any secured joint loans are also recorded on each other files.
If you apply immediately after being declined - this also makes a different how one lender looks at it.
When did you apply?