Credit cards for people with bad credit
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Run a free credit card eligibility check without affecting your credit score
It’s a tool that runs a check to see which credit cards you’re most likely to be accepted for.
It’ll check your credit file, but without leaving a mark on it, so it’s a way to see if you’re likely to be accepted before you actually apply.
A check won’t adversely affect your credit score, whereas making an application will.
When you make an application for a credit card, the lender will perform a ‘hard’ search on your credit history. This leaves a footprint on your credit report.
If you make a lot of applications in a short space of time, lenders might see it as a sign that you may be financially struggling. So they will be less likely to want to lend to you.
Running a credit card eligibility check uses a ‘soft’ credit search instead that lenders won’t be able to view on your credit report, no matter what the result is. It therefore won’t negatively impact your credit rating.
Also, because the eligibility checker lets you know which credit cards you’re most likely to be accepted for, you can limit your actual applications and so avoid adverse effects to your credit score.
The checker runs a soft credit check based on the information you provide and what it finds on your credit report.
It sets this data against the criteria of the credit card provider and calculates your chances of getting approved for specific cards and deals.
You’ll need to provide some personal details including:
The checker will also need to know:
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