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  • FIRST POST
    • andrewsimpson2
    • By andrewsimpson2 15th May 18, 8:01 AM
    • 74Posts
    • 40Thanks
    andrewsimpson2
    current account eligibility checker like credit card one
    • #1
    • 15th May 18, 8:01 AM
    current account eligibility checker like credit card one 15th May 18 at 8:01 AM
    hey guys,

    first post on this board so thanks in advance for any advice. does anyone know of a way to soft check if you will be accepted for a current account like most of the cc companies have?

    i have a decent credit record but have moved to new address thats not electoral roll sorted yet but would like to change banks maybe to hsbc Santander or first direct as they fd have excellent customer service record but don't wont to blot my copy book.

    any advice much appreciated and sorry if this is wrong board.

    thanks

    andy
Page 1
    • 20aday
    • By 20aday 15th May 18, 8:48 AM
    • 2,196 Posts
    • 911 Thanks
    20aday
    • #2
    • 15th May 18, 8:48 AM
    • #2
    • 15th May 18, 8:48 AM
    This'll probably find its way to the Budgeting and Bank Account forum OP but in answer to your question as far as I'm aware only Lloyds Bank offer a 'soft search' tool in terms of opening a current account.
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
    • Dandytf
    • By Dandytf 15th May 18, 9:51 AM
    • 1,226 Posts
    • 403 Thanks
    Dandytf
    • #3
    • 15th May 18, 9:51 AM
    • #3
    • 15th May 18, 9:51 AM
    hey guys,

    first post on this board so thanks in advance for any advice. does anyone know of a way to soft check if you will be accepted for a current account like most of the cc companies have?

    i have a decent credit record but have moved to new address thats not electoral roll sorted yet but would like to change banks maybe to hsbc Santander or first direct as they fd have excellent customer service record but don't wont to blot my copy book.

    any advice much appreciated and sorry if this is wrong board.

    thanks

    andy
    Originally posted by andrewsimpson2
    Most of the banks will have eligibility some where not necessarily a checker
    Bank account should be straight forward unless you mean you want an overdraft which would mean a credit check.
    E.g. I swapped to rbs and got 250overdraft a year or two later
    Only after I was declined straight no from Santander 123 account.
    Which I understood as I had my dmp hence I don;t apply for bank swaps anymore.
    sc dmp 2012 13k
    Jan 2018 8840 paid. 60% approx.
    • davethorp
    • By davethorp 15th May 18, 4:19 PM
    • 1,453 Posts
    • 1,075 Thanks
    davethorp
    • #4
    • 15th May 18, 4:19 PM
    • #4
    • 15th May 18, 4:19 PM
    I think some of the online app based challenger banks like Starling/Monzo will only do a soft search when you apply for an account with them only elevating to a hard search if you accept any offer of an overdraft

    • andrewsimpson2
    • By andrewsimpson2 16th May 18, 9:37 AM
    • 74 Posts
    • 40 Thanks
    andrewsimpson2
    • #5
    • 16th May 18, 9:37 AM
    • #5
    • 16th May 18, 9:37 AM
    thanks for the replies everyone, most helpful as always i did a live chat with fd this morning and the rep said if i call the account opening team they would be happy discuss it with me.

    has anyone done the swapping banks to get the free cash for opening an account? again i am thinking of footprints on my credit file as we all know here hard to build up easy to ruin.
    • zx81
    • By zx81 16th May 18, 9:39 AM
    • 16,832 Posts
    • 17,838 Thanks
    zx81
    • #6
    • 16th May 18, 9:39 AM
    • #6
    • 16th May 18, 9:39 AM
    has anyone done the swapping banks to get the free cash for opening an account? again i am thinking of footprints on my credit file as we all know here hard to build up easy to ruin.
    Originally posted by andrewsimpson2
    Tens of thousands of people, if not hundreds of thousands.

    The occasional search will have no negative impact on a well managed credit file. Certainly wouldn't ruin anything.
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