Best companies for 'soft search?'

finito

Looking to find out eligibility for a new credit card and was wondering which companies allow you to do an eligibility soft search?


Tried the one here and it all looks ok, just wanted to see a fuller list before deciding.

virgo17

A few days ago I tried the eligibility checker for a new Virgin credit card. It responded that I would be accepted if I completed the full online application.

I completed this and was immediately accepted with a decent credit limit. Have now had a couple of emails from them confirming all this and expecting the card in 7 to 10 days.

The first check was a soft search with no CRA checks until the actual application.

Superscrooge

Barclaycard and MBNA have their own soft search eligibility checkers.

Besides MSE eligibility checker. Others I'm aware of are;

https://www.totallymoney.com/credit-cards/find-eligibility/

or sign up to https://www.clearscore.com and use their eligibility checker

Andybez38

I tried creation soft search the other week. I was instantly accepted and given my credit limit too.

weijing

Superscrooge wrote: »

Barclaycard and MBNA have their own soft search eligibility checkers.

Besides MSE eligibility checker. Others I'm aware of are;

....

TotallyMoney is NOT using soft search. I tried and it appeared on my Noodle profile. My credit score is lowered because of this.

Nasqueron

weijing wrote: »

TotallyMoney is NOT using soft search. I tried and it appeared on my Noodle profile. My credit score is lowered because of this.

As your score is made up and meaningless, I wouldn't worry about it

Superscrooge

weijing wrote: »

TotallyMoney is NOT using soft search. I tried and it appeared on my Noodle profile. My credit score is lowered because of this.

Both hard AND soft searches appear on your credit file. But soft searches can't be seen by lenders.

Credit Scores go up and down all the time. Best advice is not to worry about credit scores. Just concentrate on checking your credit history is accurate.