Eligibility check
Credit scores & reportsA check used by lenders to see how likely you are to be accepted, often using a soft search.
Overview
Eligibility checks can help you compare products without harming your credit score.
Not all providers use soft searches, so it is important to confirm the check type.
Why it matters
- It helps reduce unnecessary hard searches.
- It improves your chances of a successful application.
- It can save time when shopping for credit.
FAQs
Does an eligibility check affect my score?
Most use soft searches and do not affect your score, but always check the provider terms.
Is eligibility the same as approval?
No. It is an estimate, and final approval can still be declined.
Related terms
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