Credit rating conundrum

[areyouhavingagiraffe]

Hi guys,
Bit of a back story. I sold my flat in the Summer, was in a chain, but pulled out of purchase few weeks before exchange due to issues with the property which the vendor would not address. Anyway, proceeded with my Sale, and have been staying with folks for the last 5 months. Have AIP etc and £200k cash in bank. My experien credit rating appears to have dropped, as does my NatWest app credit rating (think they use another party for this). I don't have any credit at the moment. Nothing at all. I have also registered on the electoral roll at my folks place, and have a letter confirming this. The NatWest App tells me I am not registered on the electoral roll which is why my credit rating has dropped. I guess it has also dropped as I don't have any credit. I am wondering whether to speak to my Broker.....I have had two AIPs although these were soft checks. So I cannot understand why it has dropped unless it is due to lack of credit, in which case I could maybe apply for a credit card. Just wondering whether anyone had any words of wisdom

Apply for a credit card, don't use it. If you are on the electoral roll at your parents and your accounts link to your rental you'll have an issue there.

What rental? I am not renting. I am living at my folks, looking for a house to buy....

Your credit score isn't actually that important. With a deposit of £200k you're a pretty safe bet from the banks point of view so I wouldn't worry too much.

If you get a credit card, you do have to actually use it otherwise your score will remain the same. You need to use it, and show how you manage it by paying it off each month.