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No Credit File??


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Don’t have any credit whatsoever as my bank doesn’t report to CRA’s apart from a Log book loan, which again isn’t reported to the CRA.

Tried to open a new bank account and being declined left right and center for everything. Applied for the credit file from Experian and they have told me pretty much that I don’t have one and need to supply proof of ID! Anyone else had this? How can I not have one? Surely one will automatically be generated when I am accepted for some credit, or when searches are added? If I don’t have one, where are the searches logged?

I am on the voters roll if it matters. Also, what will they do with my ID? Will they create a credit file??

 

Confused!!

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