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Electoral Roll and Getting Credit

This is probably a dumb question but...

I live and work in hertfordshire (renting just a room so not on any registers) but all my cards and stuff are registered at my guardians address in Suffolk but I'm not on the electoral roll or council tax as there is no point in her paying the full council tax amount when I don't live there anymore.

I can't get credit now although I checked my credit file and I only have one missed payment in my history. Am I being declined because I'm not registered at my guardians address where I am applying for credit? Can I be on the electoral roll at my guardians address without her having to pay full council tax instead of single persons discount?

hope that makes sense! Thanks x

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