Credit Report

It is probably because you have no credit record.
Funnily enough, the more in debt you have been, the better your credit rating is. Provided of course, that you have always paid it back.

Because you have never had any debts you have NO credit rating, which in their eyes is almost as bad as as NEGATIVE rating

i use my credit card, but always pay it back. i understand what you mean, but how can you get accepted for a credit card and use it for ages but still no rating?? plus, having lots of savings.

the address is definitely correct on the electoral role.

bastards.