<prompt> Human: I have had a current account with HSBC since I was 15. Ive never taken out a loan apart from my student loan. When I got accepted into Uni I rang up HSBC to switch my account to the student account. They rejected me, they wouldnt tell me why, but said it may be something to do with my credit.Recently Im having money problems and an overdraft would really help that, alongside the job Im hoping to get. So I went to Natwest thinking it would be easier to open an account.Same thing happened again... I did a credit check on and it said my credit scores 35. Surely Im in the exact same boat as the majority of other students? I know having no credit can be as bad as having bad credit but everyone I know in Uni has a student account and was in the exact same boat as me prior to Uni. I have had no loan and never had a credit card, what makes me different? It frustrates me the banks wont tell me why, but theres nothing on my credit report apart from my current account which Ive never had any problems with. I need this overdraft, help me reddit!  <response>: Its because youre not on the electoral roll, so when they do their checks its as if you dont exist. Register abs reapply in a couple of months. 