Annual creditcard report reccomended likely acceptence list

cdlmmll

I registered for this free annual report in Sept 2008 when my credit rating was absolute pants.

My reports with Equifac and Experion now have 5 open accounts in excess of 8 green o's plus and one remaining default due to drop off next month.

But this Annual credit report site is saying

Matched Credit Cards

Using data from your credit report, we've matched you to 13 credit cards.
The best 10 of your matches are shown below. You have around an 80% chance of success when going for a card matched to your credit report compared to an average of around 30% in normal circumstances.

Card
Offer Type
APR


Capital One Plus
0% Introductory Rate
14.9%


Bank of Scotland All in One
0% Balance Transfer
15.9%


Halifax All In One
0% Balance Transfer
15.9%


Virgin Credit Card
0% Balance Transfer
16.6%


RBS Platinum
0% Balance Transfer
16.9%


Natwest Platinum
0% Balance Transfer
16.9%


Egg
0% Balance Transfer
16.9%


AA Credit Card
0% Balance Transfer
16.9%


Virgin Atlantic White
0% Balance Transfer
17.9%


MBNA Business with BMI
0% Balance Transfer
17.9




Must say am very surprised.
Last time only said Capital One and Vanquis.

exel1966

I'm not as it means absolutely nothing as every lender has their own very distinct criteria for issueing cards which has nothing to do with whoever supplied this this.
What annual credit report has advised this ?

cdlmmll

Their the totally free credit report mentioned by Martin in some of his acticles.

I am surprised as Experion don't recommend me to try these cards and the barclaycard checker won't even advise me as yet.

Posting it to see wether any one else had ever got this from them ?

Typhoon2000

These sites will reccomend which ever cards give them the best affliate commission for reccomendtion. I wouldn't pay much attension to it, like credit scores these sites provide, they seem to be totally random.

cdlmmll

Thats what I was thinking is probably the case, Never the less thought Id post, it would/could prove the case either way.

CHALLISAVENUE

Cheap sites like the one the op meantions would match you to a paper cup if they could ;););)


Kelly

cdlmmll

Agree, I don't/didn't/couldn't believe their reccomendations.

But if it being on here stops people wasting their searches all the better.

YorkshireBoy

So 'annualcreditreport', despite not knowing your income, employment status, etc, recommend the Capital One Plus card then do they?

Even though Capital One themselves say for this product...

We're not likely to accept you if:

• You've had any CCJs or defaults in the past

Shows exactly why these [STRIKE]predictions[/STRIKE] guesses are a complete waste of time (and money in many cases).

cdlmmll

True, so true they claim to have accessed all the available reports together to come up with this ???

Experion to be fair ask your income, tenent or owner worker or retired etc. before giving you an idea, bit like the barclaycard prechecker.

TFD_2

YorkshireBoy wrote: »

So 'annualcreditreport', despite not knowing your income, employment status, etc, recommend the Capital One Plus card then do they?

Even though Capital One themselves say for this product...



Shows exactly why these [STRIKE]predictions[/STRIKE] guesses are a complete waste of time (and money in many cases).

But to be fair, I've recently been accepted for 2 Sygma cards with CCJ's and defaults still on my file, between 5 and 6 years old. Their critera stipulates the same thing, but it's not set in stone...

Jemma-T

Credit reports are just scams usually.

This is evidenced again and again.

If you need to fix an error with data retention then they may have some one off use but otherwise they are quite useless.

They're always good for shareholders of the companies and the people they sell all your data to which you've freely given them, however.