I always seemed to be declined for the most simple credit such as store cards etc. I have got a credit report from Equifax and Experian. I never really use credit and have no late payments or anything like that.
Equifax seems to hold no credit info on me and has me down as address 'B'
Experian holds no credit info about me and has me down on an old address 'A'. They also list info about a family member who lived at address 'A' with me. This info includes several applications for credit and a couple of instances of late payments.
When applying for a mortgage I assume that Mortgage lenders use the above information and since I find it impossible to get simple store cards etc. will this mean I'll have trouble getting a mortgage? I have no bad credit history myself so I'm a little confused! Is it a problem with addresses not matching? To make it a little more complicated I now live at address 'C'.
What should I do before I start looking for a mortgage or will the lenders look at my report properly instead of using the 'automated' systems that department stores seem to use?