Improving an oddly low Credit Score

youngsod

I've had a look at my credit score on experian, and was somewhat surprised to see it rated only as fair. I was suspicious as my last couple of applications failed to go through on the spot, see :

left it too late for balance transfer?

I'm a bit surprised at this low score. I have no loans or anything like that. CC debt is £2.7 on 0% cards with the cash sitting nicely on a high interest account. House is worth 2.5 times what it's mortgaged for, and I've never had a bad debt in my life. (before I discovered stoozing, I paid every credit card balance before it was due)

So why so low a credit score? I can think of three possible reasons:
1. Too many Credit Cards (yes, I now know I have to cancel old ones!)
2. Too many applications at once. I applied for two new cards in August and one now.
3. Soon to be ex-wife making applications for the same address.

Any ideas as to how to pro-actively improve my score? I'm not after much, just a 0% card for stoozing on, and a good score for when the time comes to re-mortgage the house to buy the ex out.

ta

Douglas

empfun

Try Capital One. All the best!