Credit rating has never worked that way in the UK afaik. I have never had a credit card, or a loan or an overdraft (or a mortgage, or savings account). I have b

Credit rating has never worked that way in the UK afaik. I have never had a credit card, or a loan or an overdraft (or a mortgage, or savings account). I have been late on bills and had warnings sent out yet have a perfect credit score (had to be checked recently for pre-mortgage application checks).