Some of the main causes of bad credit are missed payments on credit and store cards, missed payments on utilities and mortgage payment holidays. https://www.financialreporter.co.uk/mortgages/growing-number-of-clients-unaware-they-have-poor-credit.html
This is a interesting article that I don't agree with. https://www.financialreporter.co.uk/blogs/its-time-to-battle-ccj-fake-news.html Make no mistake if you have a CCJ or a default it will be difficult to get a mortgage. A knowledgeable broker is your best hope in a successful home purchase if you have credit challenges.