Noddle and Experian eligibilty checker for credit cards unaccurate!!

bradztheman

Oh right, wonder why they gave me a 9/10 Eligibilty chance then :-s

Thats me Declined then

They really should fix their eligibilty checker as from what everyone else is saying too its very unaccurate

tomxlisa

I use these eligibility checkers and get 10% for most cards, highest mine goes to is 30%, credit reports are perfectly clean, on time payments on some credit accounts for the last 3 years, so god knows how you get the percentage to go up, it might be my lack of time on the electoral roll.

A4445

bradztheman wrote: »

I wonder what they search for, i know they dont search for a credit card rating as such...

All my payments are up to date, i have previous satisfied defaults, but no outstanding defaults. I have many settled accounts, i am on the electerol roll, i was discharged from bankruptcy 3 and 1/2 years ago. I think that could be why ive got no chance of being accepted for any bad credit rating cards, but it still doesn't explain why barclays said ive got 9/10 chance. Strange.

bradztheman wrote: »

Oh right, wonder why they gave me a 9/10 Eligibilty chance then :-s

Thats me Declined then

They really should fix their eligibilty checker as from what everyone else is saying too its very unaccurate

You could try Vanquis they don't mind about bankruptcys :-)

A4445

tomxlisa wrote: »

I use these eligibility checkers and get 10% for most cards, highest mine goes to is 30%, credit reports are perfectly clean, on time payments on some credit accounts for the last 3 years, so god knows how you get the percentage to go up, it might be my lack of time on the electoral roll.

I was waiting to be added to the electoral roll when I applied, I'm on it now but wasn't showing when I applied. So I don't think it's that.

bradztheman

A4445 wrote: »

You could try Vanquis they don't mind about bankruptcys :-)

I applied yesterday and got declined

I was discharged 2 and 1/2 years ago.

eskbanker

bradztheman wrote: »

A4445 wrote: »

You could try Vanquis they don't mind about bankruptcys :-)

I applied yesterday and got declined

Not sure from earlier posts how many actual applications you've made rather than soft searches, but worth bearing in mind that this becomes self-defeating after a while, i.e. the more applications you make, the less likely it is they'll succeed, as potential lenders can see the hard searches mounting up and draw their own conclusions....

bradztheman

eskbanker wrote: »

Not sure from earlier posts how many actual applications you've made rather than soft searches, but worth bearing in mind that this becomes self-defeating after a while, i.e. the more applications you make, the less likely it is they'll succeed, as potential lenders can see the hard searches mounting up and draw their own conclusions....

Yeah i know, this is for 6 months right? Or 12?

A4445

I didn't apply for anything until 1month before my bankruptcy came off my credit file. You might have to give it more time. I was lucky with Barclaycard they only searched Equifax and for some reason the bankruptcy came off Equifax years ago, it was showing with experian and Cap One approved me immediately with £1500 limit I was expecting £200 at the most. It leads me to think they didn't search back the full 6 years!

Brandztheman do you have a BRU/BRO?

bradztheman

A4445 wrote: »

I didn't apply for anything until 1month before my bankruptcy came off my credit file. You might have to give it more time. I was lucky with Barclaycard they only searched Equifax and for some reason the bankruptcy came off Equifax years ago, it was showing with experian and Cap One approved me immediately with £1500 limit I was expecting £200 at the most. It leads me to think they didn't search back the full 6 years!

Brandztheman do you have a BRU/BRO?

No i have completely discharged for 2 and a half years now.
My bankruptcy isnt showing 'at all' on experian for some reason. I applied for barclaycard, and i gave me 9/10 acceptancy, maybe then have checked through experian and not the others that have declined me, havent been accepted YET though

tomxlisa

A4445 wrote: »

I was waiting to be added to the electoral roll when I applied, I'm on it now but wasn't showing when I applied. So I don't think it's that.

Was you getting high percentages on the eligibility checkers even when you wasn't showing on the electoral roll then?.