Not enough credit history at current address so no mortgage. What can I do?

sarahiggy

Hello

My first post, but in dire straights and I need your help! My Credit history is very good, but I have been living in a shared flat for three years. As it was shared I had my credit cards etc sent to my former secure home address (my dad's!) so therefore the banks are saying I have a bad credit rating, even though I pay utilities and council tax at this address.

What can I do to change this?

If I move my bills to the shared flat, how long before this shows on my credit rating?

I really need a mortgage, and at a reasonable rate! Please help!

Many thanks for your help

danielanthony

Where are you registered to vote? This would be the most important question after whether you have defaults, missed payments etc?