Your credit report – It's just like a stuck record...
Unfortunately, there is no way of disguising how you've handled your finances when it comes to your credit report. Your personal credit record is based on information from different places, such as the electoral roll, your postcode, the credit you've applied for in the past, how much you owe to lenders, and the credit you have paid off or defaulted on. If you have ever been issued with a court order to pay off a loan (a CCJ) this is recorded too.
This means, that to get credit, you're going to have to....