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What the Soft Search Means for Your Credit Score

A soft-search eligibility check lets you explore finance options before making a full application, and it has no initial impact on your credit score. This guide explains how soft searches differ from hard searches and what happens if you proceed.

Credit score9 June 2026

Soft search versus hard search

A soft search is used for checks such as eligibility tools, identity verification, or looking at your own credit file. It does not affect your credit score. A hard search usually happens when you make a full credit application. It can be visible to other lenders and may affect your score slightly, especially if there are several in a short period.

Why eligibility tools use a soft search

Eligibility tools are designed to help you understand your options before committing to a full application. Using a soft search means you can compare options and check whether finance may be realistic for your circumstances without leaving unnecessary hard-search footprints.

What happens if you proceed

If you decide to move forward, the lender carries out its own checks and makes the final decision. That can include a hard credit search, which the lender should explain and, where required, carry out with your consent. A soft-search check earlier on does not commit you to anything.

Frequently asked questions

Can other lenders see a soft search?
No. A soft search is not visible to other companies in the same way a hard search is, and it does not affect your credit score.
Does checking my own credit report hurt my score?
No. Checking your own report is a soft search and has no impact on your score.
Will a hard search always happen?
Not always. A hard search usually only happens if you decide to make a full application with a lender, and it is carried out with your consent.

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