Hard search
Credit scores & reportsA credit check that is visible to lenders and can affect your credit score.
Overview
Hard searches are typically recorded when you apply for credit. Multiple hard searches in a short time can signal higher risk to lenders.
They are different from soft searches, which do not affect your score.
Why it matters
- It can temporarily reduce your score.
- Too many applications can hurt approval chances.
- Spacing applications can reduce negative impact.
FAQs
How long does a hard search affect my score?
The impact is usually temporary, but the search remains visible on your report for a period of time.
Do eligibility checks leave a hard search?
Many eligibility checks use soft searches, but it depends on the provider. Always confirm before applying.
Related terms
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