Sometimes the credit reference agencies (CRAs) need a little more information before they can craft a complete picture of your credit file or score.
There are a bunch of reasons why this can happen. Maybe you're new to the country, or perhaps you've never ventured into the world of borrowing before.
But guess what? Even if your credit report isn't ready for its debut just yet, you can still take steps to build your credit story. It might take a little time but every little thing you do is a step in the right direction. Take joining the Electoral Roll, for example – that's like giving your credit history a little nudge, and keeping your addresses up to date on your accounts will provide a positive impact.
Remember that you're laying the groundwork for a stellar financial future. Keep on building, and when the time is right, you will reap the rewards.