yeah, i have a really shitty credit history, missing payments for ages, phone bills, the whole lot. i can't get shit, EVEN a phone contract. ridiculous! today i tried to set up a 400 quid OD on my account and was denied again which is mental. i have money yet i can not get credit. is that it then? when i finally buy a house am i going to have to pay for it up front in cash?