good eligibilty not getting accepted?

sarahor

hi, i have done two eligibility checks one on here, and two with the higher % companies on their website, but have been declined. They were in the Highly Likely category. Does any one know why this may be?:mad:

ashp_2

Have you looked at all 3 of your credit reports? Do you have credit history?

Sometimes the card companies are looking for a certain type of customer. If they think you won't be profitable to them they may decline you.

MrsTinks

Also don't forget that even if you had a 95% chance of getting accepted then 5 out of a 100 scoring exactly the same would be turned down.

Unless it's a pre check that guarantees you acceptance then even with a highly likely you're never... well... guaranteed acceptance.

sarahor

Yes I've checked both Experian and clear score and they both in the fair category. I just want to transfer my balance but only the mainstream lenders such as Barclays and HSBC are in the high percentage

[Deleted User]

sarahor wrote: »

Yes I've checked both Experian and clear score and they both in the fair category.

Not your scores. Your credit files. What do they say?

Money_Rollercoaster

Even if you don't rate the usefulness of credit scoring, if they say 'fair' that would seem to indicate some underlying problems / issues.

sarahor

I took out a mortgage around 5 months ago to which my score took a hit. There's nothing I can see on my file that would cause any problems. Thanks for your help