Credit rating

[samt1985]

have just applied to rent a house, my risk rating has come back high and so am being refused without a gaurentor. I have a loan from my bank for my car, mobile contract, 1 store card, £200 overdraft and my monthly car insurance. all of which i pay on time and in full every month so y am i being refused??!! (am also on the electoral roll)

[samt1985]

have spoken to the credit check agency and they say it is high.

[R1Geezer]

usually it's because of past unpaid debts and late payments, if you have none of these and believe you are squeaky clean it would be worth getting your Equifax/Experian credit files. They are a couple of quid each and will enable you to look ate your own credit record. So do you have past unpaid debts? say within the last 9 years?