Soft vs hard credit checks before a loan application
The short answer
A soft search can be used for eligibility checks and is not visible to other lenders as an application. A hard search records a credit application and other lenders can see it. Use eligibility tools first where available, but remember that an eligibility result is not a guaranteed approval or final rate.
Credit checking is not one single event. Knowing which search will be made lets you compare with less avoidable damage to your application record.
Soft searches: a screening tool
A soft search may be used to show likely eligibility, check your own report or provide a quotation. MoneyHelper states that soft checks do not affect your credit score and other lenders cannot see them as an application.
Hard searches: the application record
A full credit application commonly creates a hard search. It can be seen by other lenders and too many applications over a short period can reduce your chances of acceptance.
Eligibility is not approval
A high eligibility indication can still change after identity, income, affordability, fraud or full credit checks. It also does not guarantee the advertised representative APR.
Questions people ask
Can I see soft searches on my own credit report?
You may see them on your own file, but MoneyHelper explains that other lenders do not see soft checks as credit applications.
How long does a hard search stay on my report?
Retention can vary by credit reference agency. Check each of your reports for the exact record and dispute any search you do not recognise.
Sources and fact-check date
Reviewed for source accuracy and plain-language clarity. Not reviewed by a named regulated financial adviser; this is general information, not personalised advice.
- How to improve your credit score — MoneyHelper; accessed .
- How to apply to borrow money, like a credit card or loan — MoneyHelper; accessed .
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