How at 44 I look like an 18-year old

Chris Wheal
First Direct sign and building
First Direct sign and building

More than 20 years of an unblemished banking record with First Direct has resulted in me having no credit record, forcing Virgin Money to refuse me a charity credit card.

The credit reference firm Experian, which Virgin checked, says I "look like an 18-year old who has never had a bank account." While, at 44, it is nice to look like an 18-year old, I need to sort this out. My best banking behaviour has had calamitous credit consequences.