贷款顾问需要我的credit report。跟着在Noddle上注册个新账户。但说是搜寻不到我的信用历史，有人出现这种情况吗？应该要怎么办，是不是没有Credit Report就不能申请贷款？
刚注册的时候有问我最近12个月有没有申请银行卡，因为2个月前刚在Lloyds办了张普通账户，所以我如实填写。还问我有没有手机合同，我签的是O2的Sim卡，所以我填的选项是有手机合同。没办过信用卡，没欠账单，以前的所有账单是从旧银行（halifax和The co-operative bank)自动过账。现在竟然说找不到我的信用历史。
这是Noddle发给我的邮件：
Unfortunately, we cannot currently generate a credit report for you. This is because you don’t currently have enough of a credit history to populate a full credit file. But that’s where we’re here to help. With your Noddle account you will find information about building a credit file and accessing your credit report as well as services that could help you save money on the important things in life, from utilities and broadband to high street shopping.
谢谢各位前辈了。