It takes account of information you provide in your eligibility check, any information we may already have about you, and any information we may get from other organisations such as credit reference or fraud-prevention agencies.
The eligibility check uses these details to see whether we would be in a position to offer you a credit card based on your current circumstances.
Our soft credit search does not affect your credit rating or your ability to obtain credit in the future and will not be seen by any other lender.
Credit reference agencies hold different types of information, such as information from the electoral register, details of any court judgments or bankruptcies in your name, a record of current and past credit commitments (for example, credit cards, loans, mortgages) that you have held in the last six years, and details of any searches of your credit file.
If you have been told that you are not eligible for a credit card it may be down to a number of reasons. For example:
To get a copy of your credit file (the report lenders see when checking your creditworthiness), contact the credit reference agency using the contact details listed below. The credit reference agency offer instant on-line access to your credit file via their website; if you ask for a copy you will need to provide your full name, date of borth and all addresses you have lived at during the past six years.
Equifax Ltd
Customer Service Centre
PO Box 10036
Leicester
LE3 4FS
Phone 0800 014 2955
www.equifax.co.uk