Thanks everyone, been trawling the forum as well for answers, I will take this advice and let you know how it goes. First off is the letter to experian, is there an example or template or do I just write it as it is? Havent wrote a letter since primary school I think lol

Thanks for your time, will put my name down on the register for sure, I would point out though that I explained to the bank at the interview about this and the fact Ive no credit rating, he said that was no problem there would just be just no overdraft or loans, which I dont need or want anyway but the computer would not even try and apply, instant refusal which he said was 'strange'. The guy said even if I have had poor credit rating the application would still go through and I woulldnt get all the features but this was adverse or something. How long will this take to remove and should I be checking with the other credit agencies? Is there a basic business account available from anywhere else that doesnt involve a credit check that I dont have to pay/pay through the nose for? This is really holding me back, I cant find part time jobs in my trade, cant work full time (single parent) and cant afford/dont want to stay on benefits any longer, the dole que just isnt my style!:sad:

I'l try and be brief, I dont know who else to turn to ;( I'm near 30, never ever had a current account or any debt at all including contract phones or hp etc etc worked part time in same job for 7-8 years but now unemployed. Still and always have lived at my parents house/houses. I want to work for myself at my trade and need public liability insurance and a business bank account, picked a bank(HSBC), and went to the appointment, they liked the figures and plan etc but at the last hurdle the computer said no! adverse credit! I was completely shocked and lost for while couldnt understand?? I sent away to experian for my credit report and got it yesterday, I dont really understand and cant see the adverse credit but what I can see is 2 other people with the same name, one being my father but with different middle names and DOBs. I'll give a description of the report and maybe someone could tell me where I stand and hint at what to do next? 1*'my name including middle name and correct DOB and previous addresses'* 2*no electoral role information* understandable never been on it! 3*Credit account info 'My FATHERS full name(first and second same as mine, different middle), HIS DOB and our address, HIS old mortgage from 04 which is 'settled'* 4*previous searches* P1 Me, the bank hsbc P2 same as above without my middle name printed? P3 Me, experian generic from an online application for the report P4 Me, Car insurance quotation from 2004, RBS P5 Me, experian credit report 5*Linked addresses* this is where it gets wierd B1 Me (full name), old refused bank account application from 2008 + 2 of my old addresses B2 Credit card services, my name no middle name but defo not me, from 2002, my old adresses B3 My fathers full name, old addresses, old bank from 2002 B4 as above from 2004 B5 My father again, this time from a car he bought in 05, our old adresses B6 Same name as me, no middle name printed, and address Ive never heard of at the other side of the country! Aktiv kapital from 2008 B7 Same as above but from 2009 !!!! B8 and 9 are as above but from '05 and '07 but with my old addresses! What do I do now? What does this mean and wheres the adverse credit?