Good Credit Score but high APR offers

Guy100283

I'm new to the site and apologies if this has been asked before:
I use two websites to keep track of my credit score, which both show as pretty healthy (879/100 and 867/1000) yet when looking to do a balance transfer on a credit card I get credit building cards offered or high APR on approved lenders. 

I also had an issue last year when purchasing a new car.  I went through the initial application and got one rate, but when everything was done properly the rate skyrocketed.

It appears that there is something on my credit report which is hugely affecting my credit worthiness which I cannot see, or i'm not accounting for something else.

I've had one credit application in past 12 months (car) am a homeowner, and my credit card utilisation is about 65% (which I know is slightly high)

Can someone point me in the right direction of where to start figuring this out

[Deleted User]

Credit scores aren't used in the UK, so you need to check the data on all three files.

If you're carrying a balance on your card, especially interest bearing, you're going to look high risk. 65% is extremely high usage if not cleared in full each month.  But check all the other data to look for issues and to check if everything is accurate. Sending on the numbers, it may simply be affordability.

In the meaning, work on paying down the debt, so you're not reliant on a BT.