A few months ago my credit card at the time (Capital One) was coming to the end of its 0% on balance transfers and I decided to apply for another card to pay off this one and start again with another 0% deal. The card I applied for was a Sky card. At the time it was a good deal. I heard nothing for well over a month so I decided to call them. When I called them I asked them for the status of my application and they said they couldnt discuss it over the phone but would write to me within the next 7-10 days with their decision. A week or so later I had a letter from Sky card to say that I had been declined based on my credit score/history and that I should get intouch with Experian and Equifax . I was very angry and very upset as I know for a fact that my credit history/score is excemplary and I have no known problems. So out of interest I ordered my copy of my credit report from both Experian and Equifax and as expected found both to be query free highlighting no missed payments, no poor ratings and no payment agreements. Every item on my report showed payments on time and settled accounts. I then applied for a loan with Northern Rock as I thought this would be a better option to pay off my credit card as they had a low APR at the time. Again they wrote back to me and said the same as Sky Card. Can someone help me find out what on earth I am to do now as my credit report is fine with no anomolies and I keep getting refused credit.