Halifax’s incompetence has left me with a poor credit rating for months

A system error at the bank means my card applications were recorded as ‘hard searches’ on my credit historyI applied online for a credit card with Halifax, which failed because of a “system error”. Halifax said it was a temporary fault and I should wait a few days and reapply. I did so a few weeks later. This was also rejected. Soon after, I found both applications were listed as “hard searches” and had affected my credit score. It turned out my first applicat