No bank account - mortgage chances?

Hello

I want to apply for a 95% mortgage but all my credit files do not show my bank account because I opened it in 2001.

Will this harm my chances of getting a mortgage? Should I open another bank account so that one will show up on my credit file?

My Equifax score is currently showing as 'poor' but I think this is because of (1) bank account issue (2) I have just moved house and thus on electoral roll for less than a year (but on there nonetheless) and (3) various other minor information is out of date (and I am chasing to update before application).

Any advice?|

Thanks