'A bad rating banishes you to a credit blacklist'
'Being rejected will put off other lenders'
'You only have one credit history'
'Never borrowing makes you a safer bet'
'Missing payments will not affect your score'
'Registering on the electoral roll isn't important'
'You should ditch your unused cards to boost your rating'
'You can check your file too much'
'My address is blacklisted'
'Previous tenants debts make it hard for YOU to borrow'
From the Mail Online