good credit a few blips but always refused cards

dawn70_2

Can anyone help please. I am new to this site - and this is the first time I have posted anything in my life. I want to make a couple of credit card transfers to 0 per cent deals. Have been refused by egg and virgin. My credit score is about 650 with a site that analysises all credit scores. I would say in every way I am a good bet for credit, employed, homeowner, couple of cards, regular payments...good credit for two years. Had a few late late payments about three years ago. A mobile phone bill for about six years ago defaulted but all settled. All three credit scoring companies look ok to me. Not perfect but also shows loans and cards over years for 10,000 plus that were paid regularly then settled altogether. Bizarrly one of my credit cards - taken out through the bank, a Coutts card visa, doesnt seem to show up at all.
I'd love to get the great balance transfer fees but have been rejected twice..are there any experts out there - companies, accountants or otherwise that can look into my history and tell me why this keeps happening.
My partner who I've lived with for seven years at this address however is not at all good at paying his bills on time. However he is not linked to me financially at all in any joint way - might this be making a difference?
I am also most definitly on the electoral role.
Many thanks for your time

bringmeshoes

It may sound like a silly question but are you on the electoral role at your address?
A few years ago i couldn't get a virgin card as while i was at uni i was at two different addresses (my ex's at home and my uni addy) it was only after i had lived where i am now for 3 years that virgin would give me a card

MrsTinks

I got refused for things before I had been on the electoral roll too so definitely check that - also make sure that on your report you and your partner are not financially linked. I know you say that you're not but make sure that information is correct in that case.
As for the credit score thingy... I'd really ignore it... it's not used by creditors to get an idea of your trustworthyness...
BUT to give you an idea then on credit expert my score is 956 - I'm not sure if your 650 is on that but if it is then it's obvious there is something that is causing a problem in my view... whether it's linked accounts/missing electoral roll/defaults I obviously can't tell...

dawn70_2

Yes I am on the elctoral role

RAS

Hi

IUn that case ignore the credit scoring site and actually get your credit checks from all three companies.

Yoummay find something that you had forgotten about causing grief (like a DD from an old account for insurance that you did not know that you have set up).