If you have any pre-approved results, these are only valid for 24 hours from when you first complete the eligibility check. So, if you are looking at results that are a few weeks old, a new eligibility check could get you more accurate results. Our soft credit checking partners (HD decisions and Capital One) refresh the information they use in order to estimate your eligibility on a monthly basis. However, these estimates may become less accurate as time passes, especially if you do anything that might affect your credit score or your circumstances change. Your eligibility results are estimates based on information pulled from your credit profile on the day you perform the check. To avoid inaccurate probability results, please ensure this is accurate. Some cards have minimum income requirements. Your age, name and address are used to verify your identity and match it up to your credit file.Īs credit card providers care about the security of your income, employment status is used as a rough indicator of this. Why do you need my personal and employment details? This is off-putting to prospective credit card providers or lenders because it suggests you cannot repay debt. Lots of hard checks (or formal applications) could make it look like you are desperate for credit. This also means we can only provide an estimate of your eligibility for a credit card and cannot guarantee acceptance or rejection. That's because it's not the same as a formal application for credit, meaning using this tool will not be flagged to potential lenders as an application on your credit report.Ī soft credit check simply means, we look at the information you’ve provided and information on your credit report to estimate your credit score (we do not see the score you do). You might be able to see the search yourself if you look at your report, but as a soft credit check, no one else will be able to. Will using the eligibility checker appear on my credit file? You could still get a credit card without this, but there'll be a more limited number available to you. It is the most comprehensive service available and is regularly updated. Our tool uses an API provided by our friends at BinList to lookup BIN information. To get the most accurate results, you'll typically need at least three years of address history. It is a tool that takes your BIN (Bank Identification Number) and returns detailed card information such as the bank who issued the card and the country origin. Who can use this service?Īnyone over 18 with a UK address can use our eligibility checker. Your information is kept securely and will be used in accordance with our terms of use and privacy policy, HD Decisions' terms of use and Capital One's terms of use. They cross-reference a profile based on your information with the acceptance criteria of different credit cards. We run your given details via our soft credit check partners HD Decisions and Capital One. Unlike a full credit card application, it is not visible to potential lenders. We do this to estimate the likelihood of you being accepted for a credit card. The Uswitch eligibility checker uses the information you've provided to run a ‘soft’ credit check on your credit file. We must also keep in mind that CC checker has not been updated for a very long time.Eligibility checker FAQs How does the eligibility checker work? In one case, it failed to list a credit card as invalid, though. To get your Experian annual credit report online, and by phone or mail, visit. Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian, Equifax ® and TransUnion ® - once every 12 months. And credit card companies work hard to incentivize you to use the checks they send. Unfortunately, there are no other options available through this app.ĬC checker uses a low-to-moderate quantity of CPU and system memory, has a good response time, and didn't hang, crash or show error dialogs in our tests. How to get your Annual Credit Report from Experian. You can use a credit card check to transfer the balance for a more favorable rate. Furthermore, you can clear the field to restart the process. The tool displays the status right below this field ("valid" or "not valid"), along with the type of credit cards it supports. Once it finishes, you can check out a Readme file and the single window with a plain layout, representing CC checker's interface.Īll you have to do is write your credit card number in the dedicated dialog, and verify it with the simple click of a button. The installation procedure is quick and uneventful, and doesn't require special attention from the user. The tool is safe to use, as it does not require additional secured information beyond your credit card number. CC checker is a simple-to-use application whose sole purpose is to verify the validity of credit cards.
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