it could be as simple as you have no credit history at all; if you've never had a loan, mobile phone contract etc.
I only had a mobile phone contract and had neevr had a loan when I bought my house but I got a perfect credit score. My ex on the other hand who had credit cards, loans, and overdrafts had a shit credit rating as She'd defaulted on so many payments and at one point had £15k or so of debt. The mortgage in the end, only went through on my earnings and credit score; I didn't find thsi out until afetr we split up!
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