New to this forum so forgive me if this is a question already answered. I recently obtained my credit file from experian online it told me I had a fair rating 83% however I cannot get credit, the most recent answer I had was from BHS store card, they said it was a problem with my address.
I am a tenant and have been at this address for 4 years I dont have any debt to my knowledge (split from ex and he supposedly paid all bills...well I gave him my half of the bills owed). I do know that the previous tenant at this address has debts all over the place (debt collectors have called many times) could his debts be causing me problems?
I would have thought that 83% was quite a good rating if not how can I improve on it?