Pre approved on clearscore

JonnyKebab99

Hi 
First up, I know pre approved generally doesn't guarantee anything, from a personal point though I've found before that being pre approved on there got me when I needed at the time

Looking for a balance transfer card, the eligibility checker for a NatWest card on MSE said 0%, Clearscore said pre approved. If I go through the clearscore am I effectively messing myself up for future credit as I'll potentially be declined?

As I say, I've often had same situation and been given what I wanted, maybe with lower term. Fear is doing it now and it not coming off for whatever reason 

Brie

Does the eligibility checker suggest any where else?

JonnyKebab99

Brie said:

Does the eligibility checker suggest any where else?

Yes, some were 80% and the majority 0%. 

Oddly enough, I logged out of clearscore, back in and I now have 0 offers 😬

Gandalf644

OP - have you tried Natwest's own eligibility checker on its website for the card you want?

https://www.natwest.com/credit-cards.html

JonnyKebab99

JonnyKebab99 said:

Brie said:

Does the eligibility checker suggest any where else?

Yes, some were 80% and the majority 0%. 

Oddly enough, I logged out of clearscore, back in and I now have 0 offers 😬

I live with my girlfriend, she has mortgage. I changed details in my profile from private tenant to living with parents as there is no option for living with partner (that only comes when using eligibility checker). Changed it back to private tenant and NatWest offer is there again 

jasonwatkins

I've been pre-approved for a few cards over the last year on so on Clearscore and every application has been successful.

That said, I've never been pre-approved for any of the main banks, just the likes of JaJa, Zopa, Marbles e.t.c..

Nasqueron

JonnyKebab99 said:

JonnyKebab99 said:

Brie said:

Does the eligibility checker suggest any where else?

Yes, some were 80% and the majority 0%. 

Oddly enough, I logged out of clearscore, back in and I now have 0 offers 😬

I live with my girlfriend, she has mortgage. I changed details in my profile from private tenant to living with parents as there is no option for living with partner (that only comes when using eligibility checker). Changed it back to private tenant and NatWest offer is there again 

I go with private tenant in that situation, we are in identical living arrangements to you, I have never had any issues with applications

DullGreyGuy

Likewise never had a decline following a "pre-approval" on clearscore. 

Oddly on one occasion they said pre-approved with x% interest rate, went to the lender in question and used their soft search option and got a "likely to be accepted" but at a higher interest rate. Went back to clearscore, clicked through to the lender, completed the application and was approved at the lower APR 

stewartwilliams

I've got 2 cards that were pre-approved on clearscore.  Started off at £200 limits but both have been increased since..

Did try a third (might have been Zopa) as I was going to get rid of the second card (not keen on their app), and they wanted pay slips.  Sent some in and they came back saying they apparently didn't say how much I was earning, and they then wanted bank statements.  Just left it at that point, but may have got a hard search from it.  Not planning on applying for anything for the rest of the year, so not worried about that search.

Jaja Vanta (never heard of it) at present on clearscore bar some loan that needs to be guaranteed by someone, and some "pay us a fee of £9.99-£14 a month" for this card sort of thing.

Default on my account hits 6 years next week, so will se if anything better comes along (although if I handle the cards well and pay them off, the interest isn't too much of an issue)
May drop to a single card as well as too much temptation.

steven141

DullGreyGuy said:

Likewise never had a decline following a "pre-approval" on clearscore. 

Oddly on one occasion they said pre-approved with x% interest rate, went to the lender in question and used their soft search option and got a "likely to be accepted" but at a higher interest rate. Went back to clearscore, clicked through to the lender, completed the application and was approved at the lower APR 

I’ve had the same in the past.

Nasqueron

jasonwatkins said:

I've been pre-approved for a few cards over the last year on so on Clearscore and every application has been successful.

That said, I've never been pre-approved for any of the main banks, just the likes of JaJa, Zopa, Marbles e.t.c..

To flip it around, I had a 100% pre-approved on Virgin and they went to manual review and eventually declined, that was a BT card. Only one I ever had declined and got a Tesco one about 3 months later no issues