Soft search
Credit scores & reportsA credit check that does not affect your credit score and is not visible to other lenders.
Overview
Soft searches are used for identity checks, eligibility checks, and when you view your own report. They do not impact your score.
Only you can usually see your soft searches in your credit report.
Why it matters
- It allows you to check eligibility without harming your score.
- It is safe to review your own credit report.
- It can help you compare products before applying.
FAQs
Can a soft search affect my credit score?
No. Soft searches are not used in scoring and are not seen by lenders.
Do eligibility checks use soft searches?
Many do, but not all. Check with the provider before applying.
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