0% card pre-apply eligibility checker shows 90% and I was rejected - please help!

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  • CherlokHomes
    CherlokHomes Posts: 614 Forumite
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    LittleMissDetermined wrote: »
    I cannot thank you enough for this link, I gave it a shot this morning and have been accepted with a limit enough to transfer both card balances and its 27month at 0% so I am set to save at least £1000 in interest fees.

    You are an angel :A

    You'll save a grand?
    "You know when it's cold outside when you go outside and it's cold"
  • LittleMissDetermined
    LittleMissDetermined Posts: 8,069 Forumite
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    Innovate wrote: »
    You'll save a grand?

    That's what I worked it out to be, I have a credit planner spreadsheet which tracks my payments until cards are cleared (October 2014). My interest rate has just been increased on one of the cards too which doesn't help. So yes, just over £1000 saved by this balance transfer. :T
    Life gets in the way...PADding is addictive...Saving's better than spending...
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  • pawelbmw5
    pawelbmw5 Posts: 6 Forumite
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    mycvattached wrote: »
    It is very unusual. I used pre-checks several times and has not been rejected. Have you tried to check your credit file. Start from Noddle, its free and get free trial for Equifax and Experian. You could have been rejected for a number of reasons and it is almost impossible to guess what was the problem. Also you have to understand that banks assess you as a potential source of profit and not just as a low risk group.

    Check credit file first and look for any inconsistencies such as different addresses, financial associates etc. By the way financial associates could easily create this problem as they would not be checked by pre-eligibility tool.

    Thanks for reply. I did not check my credit file yet. I will tonight and will start from Noddle as sugested, then will go for Equifax and Experian trials too.
  • pawelbmw5
    pawelbmw5 Posts: 6 Forumite
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    Cycrow wrote: »
    also, how much credit do you currently have ?
    and what is your current income ?

    Hi. I do not have any credit at this moment (if you mean how much I owe on other credit cards) and my income is 23k per annum which is not great but I think is enough to get a card.
  • pawelbmw5
    pawelbmw5 Posts: 6 Forumite
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    Innovate wrote: »
    There's only one soft search that's worth doing IMO where they actually search the CRA they'll use when credit searching you and that's Nationwides all the rest are poo

    Hi. Thanks for the info. I will check on that later.
  • pawelbmw5
    pawelbmw5 Posts: 6 Forumite
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    izools wrote: »
    Pre-applicaiton checkers are never 100% -

    Fluid is backed by MBNA who are quite strict, RBS have odd criteria.

    They both search Experian.

    You might want to try Barclaycard - they search Equifax - this means that a) barclaycard won't see that you've made two applications elsewhere and b) it won't further reduce your credit rating at all.

    Barclaycard have their own pre-application checker - couldn't hurt to give it a bash:-

    Hi. Thank you very much. After checking my credit with Experian and Equifax I will try Barklays card.
  • The_Boss
    The_Boss Posts: 5,849 Forumite
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    Innovate wrote: »

    Anyway she applied and was excepted for a barclaycard

    Sorry to hear she didn't get it.
  • CherlokHomes
    CherlokHomes Posts: 614 Forumite
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    The_Boss wrote: »
    Sorry to hear she didn't get it.

    Lol what a plonker I am I meant accepted.
    "You know when it's cold outside when you go outside and it's cold"
  • Experian_company_representative
    Experian_company_representative Posts: 2,134 Organisation Representative
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    Some lenders do use more than one CRA these days.

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