Credit score excellent but credit card ap rejected

ambipur

My 0% deal ended a few months ago so in summer begin looking for new deals and applied to Sainsburys bank. I was accepted but they kept losing my ID, my credit agreement and after numerous calls in a very busy period of my life, I gave up. After my current deal ended and I had paid the amount off in full, I contacted them to sort it out only to find the offer had expired, to clarify I did not receive the card and of course did not spend on it. I was then told I would have to start from scratch.
I then checked my credit file and all seemed in good order with no loans, ccj's and a very high credit score. I checked the MLMSE guide to applying for a credit card and chose the one I had best chance of getting. Rejected. I applied via Noddle credit agency for the one they said I would get and rejected again.
HELP!! I daren't apply for another. I have nothing on my credit card whose deal has ended but this has now gone to a very high interest rate and I want a 0%

[Deleted User]

Ignore your score. It's a little secret between you and the CRA and doesn't count for anything.

What is on your credit files? Income, credit history, balances and limits. Are you on the electoral roll?

ambipur

Well, I've looked and I have no loans, every DD S/O are up to date and paid on time. I moved house a year ago and voted so presume I am on the electoral register but will check. I have renewed by insurance policies etc this month.....
Just worried now that 2 rejections will alter my credit rating and I won't be able to apply for a credit card and I want to save money by changing my mobile phone provider and now I fear applying

ambipur

Ps thank you for responding 😃

[Deleted User]

What is your current debt, total limits and income? If payments are a problem, you may be over stretched.

ambipur

The only debt I have is my mortgage, £850 a month plus bills.
Income £37000

[Deleted User]

Sorry - I thought you were looking for a 0% to transfer a balance.

So to clarify - you're after a 0% purchases card? Is it for anything in particular? How long would you need to clear the balance? What sort of limit do you need?

Also - which two cards did you apply for?

MallyGirl

Does the Sainsbury's card show on your credit reports?

ambipur

Yes, just a 0% to use for purchases with no balance to bring across.
I applied for the ones that I was "guaranteed" to get. Virgin 27 month 0% and post office with a similar length. Nothing in particular but incase I need anything and can't pay it in full immediately
Sainsburys shows up as a credit check but not as a credit card.

williamgz

I'm no expert but from reading these forums:

Have you checked all 3 CRA's? Not all of them might have the same information?
Make sure electoral roll addresses are fine on all 3 CRA's, this seems to be the easiest way to get a quick rejection.
National Hunter provides some more information that might help you find weird issues but you have to pay them £10 afaik for the report.
If all else fails, you can try sending an appeal letter call explaining why you should get approved (search forum for examples)

Hope it helps

ambipur

Thanks guys, I think it was electoral roll issues!!
You are stars! Thanks xxx