Credit check
Credit scores & reportsA review of your credit report by a lender or service provider.
Overview
Credit checks can be hard or soft depending on the purpose.
Hard checks are visible to lenders and can affect your score.
Why it matters
- Too many hard checks can reduce your score temporarily.
- Soft checks let you compare offers without impact.
- Checks are part of most credit applications.
FAQs
Will a credit check show on my report?
Hard checks show on your report. Soft checks usually only you can see.
How long do checks stay on my report?
They remain visible for a period of time, even after the impact fades.
Related terms
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