How accurate is MSE's pre eligibility checker for credit cards?

BP1987

Hi,

Anyone know how accurate the pre eligibility checker is on this site?

My results where:-

10%-60% Barclaycard Initial
Aqua Classic 30%
50% chance for Vanquis
70% for M&S
10-20% for majority of others

70% for M&S Doesn't seem right :S

d70cw6

poor
/10 char

JKSandy

I think it uses call credit, so unless your Experian and Equifax have exactly the same information I'm not confident of its accuracy.

YorkshireBoy

JKSandy wrote: »

I think it uses call credit...

...and/or Equifax, according to the eligibility checker T&Cs (see Part 2 of 2).

JKSandy

YorkshireBoy wrote: »

...and/or Equifax, according to the eligibility checker T&Cs (see Part 2 of 2).

We'll maybe not that bad then if they us one of the bigger ones.

reclusive46

JKSandy wrote: »

We'll maybe not that bad then if they us one of the bigger ones.

To be fair to call credit, all of my accounts are on there (except a current account that doesn't report to any of the agencies). Its just people don't generally search them.

BP1987

I just find it unusual that [EMAIL="i@ve"]i@ve[/EMAIL] got more chance of getting an M&S credit card than a Vanquis as i don't have any credit history never had any type of credit before in my life not even an overdraft

JKSandy

Do you have a HSBC account or credit card? M&S credit cards are a subsidy of HSBC, maybe that's why?!

(I maybe be completely off the mark also)

xiaoyaoswim

The result for M&S is insane. The predicted chance I got was 90% last month - higher than any others. I then proceeded to apply and was declined after referral.

reclusive46

I've seen other people have a really high chance for M&S card as well but not for other cards. I think M&S card is just an anomaly.

JKSandy

Aww man I have 40% chance of getting it, maybe that means I will be accepted lol.