can't understand why we're refused credit

System

missk_ensington wrote: »

This is a big problem when people have lodgers or in house shares because another persons poor credit will cast a dark shadow over the address for everyone.

This is NOT correct. You will not be associated with another person at the same address with a different surname. The rules about credit file association were changed many years ago and are now much more strict and targeted.

I have shared houses and flats with friends and girlfriends for years and never been financially associated.

Regards
UNDERGROUND