Don't have a credit score but should

harligan

Looking for some advice, I have tried logging into several agencies to access my credit score (Experian etc) however I cannot be found or verified on any, it seems I don't have a credit history despite having multiple bank accounts with income, paying tax, being on the electoral register etc for years.

This was initially an issue when applying to student accounts a few years ago as they couldn't verify me to give me an overdraft, this was never resolved as we tried contacting the agencies to no avail. I am now concerned this will cause issues in the near future with rent checks and mortgages since I am automatically rejected due to lack of information. 

Who can I contact to amend this and get myself on the system?

oldernonethewiser

The credit score is only a made up number that lenders don't see or use.

Is there no credit history at all?

Brie

If you don't have an overdraft there's nothing really for a bank to report.  

Do you not have credit cards?  Phone contract?  Pay motor insurance monthly?  And of these things should end up on a report as they are all credit agreements.  

Assuming you have none of the above I would suggest you get a "credit builder" type credit card.  The sort that advertise having very high APRs.  You might be able to get one for possible £200 - £500.  You should use it each month (buy some groceries, put petrol in the car, anything) and set it up to pay the balance off in full by the direct debit.  This will soon start being logged on the credit agency reports.  In a couple of years you can switch to having a main stream bank credit card to show you are a reliable person.