Student Bank Account - troubles getting accepted

So, I have tried to open up a (student) bank account with HSBC; however, promptly after filling in the application online, I got declined. Baffled, I called, and they have suggested to try applying directly in one of their branches -- at the branch, they said that there is nothing they can do. I then tried many more... HSBC, Nationwide, Santander and then even my bank, Lloyds, declined my application. I was informed that the application is weighted on my credit score, though, as a student who essentially just begun adulthood, how can I have an acceptable score to be approved? For disclosure, I am during my gap year, where I have tried to improve my credit score. I've had my ups and downs as I learnt what things impact my score, but in the end, I got a higher score than I was initially started off with. 303 compared to 367.Is anyone else facing difficulties in opening a student bank account?

I would suggest that you get copies of your Statutory Credit Report from the three main Credit Reference Agencies (CRAs). The main CRAs are Equifax, Experian, and TransUnion. Check them all carefully to make sure they're 100% accurate, including things like your date of birth recorded on each account.

You might also want to check that Cifas don't hold anything on you. See https://www.cifas.org.uk/contact-us/subject-access-request for what to do.

What steps have you taken to "improve [your] credit score" ? Is it possible that you've done things that have lowered the likelihood of being offered more credit? Lenders don't just look at a nebulous "credit score", they want to see that you've used credit responsibly and that you're not overstretching yourself. They might well be concerned if you have too much credit available to you already, and not want to take the risk of offering you yet more.

So, I have tried to open up a (student) bank account with HSBC; however, promptly after filling in the application online, I got declined. Baffled, I called, and they have suggested to try applying directly in one of their branches -- at the branch, they said that there is nothing they can do. I then tried many more... HSBC, Nationwide, Santander and then even my bank, Lloyds, declined my application. I was informed that the application is weighted on my credit score, though, as a student who essentially just begun adulthood, how can I have an acceptable score to be approved? For disclosure, I am during my gap year, where I have tried to improve my credit score. I've had my ups and downs as I learnt what things impact my score, but in the end, I got a higher score than I was initially started off with. 303 compared to 367.Is anyone else facing difficulties in opening a student bank account?

So, I have tried to open up a (student) bank account with HSBC; however, promptly after filling in the application online, I got declined. Baffled, I called, and they have suggested to try applying directly in one of their branches -- at the branch, they said that there is nothing they can do. I then tried many more... HSBC, Nationwide, Santander and then even my bank, Lloyds, declined my application. I was informed that the application is weighted on my credit score, though, as a student who essentially just begun adulthood, how can I have an acceptable score to be approved? For disclosure, I am during my gap year, where I have tried to improve my credit score. I've had my ups and downs as I learnt what things impact my score, but in the end, I got a higher score than I was initially started off with. 303 compared to 367.Is anyone else facing difficulties in opening a student bank account?

I will definitely follow your advise and investigate a little -- never hurts to be sure. Though, one last thing, if I so do happen to come across details that are incorrect, do I reach out to them directly to amend the records?