Any late payments or defaults.
If you aren’t registered on the electoral role at your address.
If you haven’t had much credit in the past, (your score is determined by past behaviour and it’s hard to decide whether or not you are reliable if you’ve not past credit to judge by).
If you always pay off credit cards in full each month, (credit card companies make money by you being in debt. If you make the minimum payment each month and never default but do not clear your card, you are running up interest and are a better investment than someone who clears their card every month and doesn’t make the company much money).
If you’ve applied for lots of credit in a short period of time.
If you have a large amount of debt outstanding and/or are near your credit limits.
If a lot of credit checks have been performed on you in a short period of time.
If you have ever been Sequestrated or have any decrees, IVAs or any other court debt orders against you.
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