Help and advice if possible ?

Furryconker

Hello.


I'm a bit stuck. I really want to take advantage of one of the great credit card balance transfer offers that are currently out there but for some unknown reason I'm being declined en mass. Even my own bank won't sign me up (that's the same bank that gave me a 6 figure mortgage too 10 months ago....).


I've even got credit reports from Equifax (£3 for a one off one) and Experian (£15 for the month membership) to see if something is horribly wrong but all that's come up is an electoral roll issue that was an issue on their websites/databases (I checked with the council and we are on the roll at this house).


Personally I have the following "credit" :
1 x Credit Card (Barclaycard that I want to do the transfer from, near £7000 limit with approx. only 25% of that used)
1 x Store Card (Argos Card with a £2500 limit and around 30% of that used)
1 x Overdraft (£200, rarely used old account. Maintained for emergencies)
1 x Mortgage (Repayment Mortgage with no missed payments or payment holidays, in good stead since it started last July).


So ignoring my mortgage thats a total of around £2700-2800 of used credit.


All of the utility bills are paid by Direct Debit. Council tax is paid online with no payments missed (indeed it is usually paid early !).


Overall I think I'm in pretty good shape. Heck I'm even rated "excellent" by Experian for what that appears to be worth.


My partner is in the process of going through a messy divorce with an ex who shall we say didn't handle his finances very well however we do keep our finances apart and she has no financial ties to this property bar living in it. The finances she left behind are in a right state however with her ex mishandling his money left right and centre with the major issue now being an old Lloyds account that he put over a £1000 in debt after they split up. It's now with a collection agency but has nothing to do with me and hasn't turned up via any associations on either Credit Report I have obtained.


My partner and I did briefly have a joint account which we have since removed her from (3 months or so ago) which hasn't had the association broken correctly by the Halifax, but since this turned up on the Experience report this has been disputed and will hopefully disappear in due course.


Is this last point likely to be my bane or am I missing something ? Admittedly since moving here I've have 2 addresses in 2 years but that didn't stop my mortgage going through....


I was told by the Halifax today to reduce my credit limits if I am not using them as it may appear that I am using more credit than appears as the limits are "pre-approved" i.e. "used but not used" but that seems at odds at the plus mark I get for having high limits but low usage on my Experian report.


I'm a bit lost what to do next and any advice will be gratefully received.


Thanks !