Applying for Credit

What does pre-approved mean?
If you are pre-approved for a product it means that based on the information you have given us you will definitely be eligible for this product. However, ...
Mon, 24 Apr, 2017 at 10:01 AM
Why not just apply to the card company directly?
By checking your eligibility with us you reduce the risk of applying for credit cards or loans you are unlikely to be accepted for. This reduces the chanc...
Mon, 24 Apr, 2017 at 10:00 AM
Can you guarantee I'll be accepted?
Even if we indicate that you are likely to be accepted for a product, this is no guarantee of acceptance. The lender is entirely responsible for the decis...
Mon, 24 Apr, 2017 at 10:00 AM
Why have I been rejected for a product you recommended?
Our results only show you your likelihood of being accepted for a product. For example, if we show you a 70% chance of acceptance for a card, that means t...
Mon, 24 Apr, 2017 at 9:59 AM
Is there a credit blacklist?
There is no such thing as an actual credit blacklist.  Every lender has their own scoring system, so each one will view you differently. However, all lende...
Thu, 31 Aug, 2017 at 11:35 AM
What happens when I apply for credit?
When you apply for credit the lender will carry out a full credit application search and make a decision about whether or not to accept you for that particul...
Fri, 30 Jun, 2017 at 10:03 AM
How can I improve my chances of getting accepted for credit?
Taking steps to improve your credit report can be easy when you know what to do. Take out a credit card and pay the balance off in full each month to demons...
Fri, 30 Jun, 2017 at 10:05 AM
Why have I been rejected for credit? What do I do next?
You will have been turned down because the lender is hesitant to give you credit. This could be for various reasons - one of which could be you have a low cr...
Fri, 30 Jun, 2017 at 10:06 AM
Will my credit report show that I have been turned down for credit?
Applying for credit will show up on your credit report as a credit application search. Being turned down for credit will not be shown on your report or impa...
Thu, 31 Aug, 2017 at 11:36 AM
What information do lenders use to make their decision on a credit application?
Lenders will look at factors such as the amount of credit accounts you have open, if you have ever missed a payment on a loan or credit card, if you have ev...
Fri, 30 Jun, 2017 at 10:08 AM