From The Debt Advice Bureau:
Six Top Credit Score Killers
Being declined for a loan, overdraft, credit card or mobile phone can
be frustrating, particularly when all the lender will tell you is
that you have failed their credit score and nothing else.
Whilst each lender will ultimately score applications based on the
services they offer and their own criteria, there are a number of
factors which will impact your credit score and could lead to your
application being accepted or declined. Knowing what those criteria
are can help you improve your ability to get the credit you want.
These are the Six Top Credit Score Killers . . .
Not on the Electoral Roll
If you are not on the electoral roll at the address on the
application there is a high probability of rejection.