- Make sure your name is on the local electoral roll to prove you exist.
- Always pay bills promptly.
- Don't apply for credit too often.
- It's better to have a bank account in the red than to have no bank account at all.
- Be truthful - they'll soon suss out someone on £15,000 a year who claims to be on £150,000.
- If you are turned down, ask why. It could be just a mistake.
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