Hard search footprint
Credit scores & reportsA record of a hard credit check made during an application.
Overview
Hard searches are visible to lenders and can affect your score.
They usually remain visible for a period of time.
Why it matters
- Multiple hard searches can reduce approval chances.
- They signal recent credit applications.
- Spacing applications can reduce impact.
FAQs
How long does a hard footprint stay?
It remains visible for a period of time, even after the impact fades.
Can I avoid hard searches?
Use eligibility checks and apply only when ready.
Related terms
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