I left the mob seven years ago with a pi$$-poor credit rating because of the nomadic nature of life in the Forces. I'd never defaulted on any payments to a bank loan I'd had, yet anytime I needed a credit reference it came back as risky...better check him out further...make him pay max deposit etc.
I believe the trick is to make sure you're on an Electoral roll somewhere otherwise the credit lenders get very twitchy.
Good luck.
