These algorithms are stupid. When Lloyds closed its Scottish branches and we were transferred to TSB, I kept my Lloyd's account rather than have to rearrange a number of DDs and SOs and asked to open a TSB current account (I had automatically had my credit card switched from Lloyds to TSB). After a couple of weeks and no action I was told they did not regard me as suitable for a current account because of my poor credit rating. Somewhat incensed, I met up with an advisor and went through things. I have't borrowed any money from anywhere for perhaps 30 years or more. Never had a hire purchase agreement over the same period. Always paid my cards off in full, never had to pay any interest on them. Paid off my mortgage in 1987.
Apparently, as far as the algorithm was concerned, these are all BAD things - my score on the site they used was 340/1000, making me about as credit-worthy as one of Brian's homeless people - and because the bank had checked my rating with them - that FURTHER reduced my score. In the interim, however, before I met with the advisor, I checked another credit rating site, which gave 984/1000 - the Pope should be so lucky!
The advisor sorted it all out in about 10 minutes flat, and I had the current account - in fact two joint accounts (as with Lloyds) one which Veronica used predominantly and one which I use.
Oh, and according to the TSB records - transferred to them from Lloyds - I wasn't one the electoral roll, despite, at the time, having lived here for 13 years and voted in a number of elections.
It's the sort of thing which makes me ever uneasy about banks.
Mike