How does the uk credit rating/score work?

Question

do they go by your address?

if i have a few credit cards but yet have a bad credit rating, if i apply for another credit card or loan but using my 2nd home will i still be declined or will my credit be soo called clean and i will be accepted?

please help i am in desprite need for money to pay my bills off.

Answer 1

Even using a second address will not help you, a credit check is done by the electoral roll so they will find you out any way, try using credit cards from vanquis, virgin or capital one they still give them to people in debt.