Pre-approvals for products (i.e. cards, loans and mortgages) means that a lender has offered you a product pending full approval.
The lender usually carries out checks to establish your eligibility for a product (i.e. whether you’re pre-approved( 100%) or 70% eligible) and this is done through a ‘soft' search of your report.
The ‘soft' search protects your credit score and creditworthiness as you don’t need to make multiple applications to check which lenders will consider your application. Soft searches are only visible to you, not to lenders.
However, pre-approval is not a guarantee that you'll be offered the product.
If you decided to apply for the offer, during the final stages of the application, the lender will carry out their own checks (including a ‘hard’ search) and it’s possible that your application could fail at this point. You might also be declined if the information you supplied for pre-approval doesn’t match what’s on your ClearScore account.
Please check through all of the information in your ‘’ section to make sure your details are correct (i.e. current address, salary, who you bank with, employment status etc.).
If you change any details during your application, or if this information is out of date, this could result in your application being rejected.