Si,
Another thing to do is check your credit history with Experian or Equifax.
They are the credit checking agencies that are used by just about every financial business in the UK.
They hold an extrodinary ammount of data on you and your address, If anybody living at your address (or member of your family) has had credit problems in the past then this can appear on
your credit history and can affect decisions. I know this from bitter experience but once I provided evidence that it was nothing to do with me they sorted it all out and subsequently everything I've applied for has sailed through (unfortunately coz I'm now mortgaged to the hilt
)
The other problem you could have (if the above doesn't apply) is that if you've never had credit you won't have a credit rating so it's difficult to get credit so you can't get a credit rating so.....