Finance Glossary

Hard Search

A full credit check that leaves a visible footprint on your credit file which other lenders can see when assessing your applications. Multiple hard searches in a short period can lower your credit score and signal financial distress to lenders. Hard searches are typically performed when you submit a full loan application and agree to a credit check.

Example

Applying to five different lenders in one week leaves five hard search footprints on your credit file, which can make subsequent lenders more cautious.

Related terms

Soft Search
A type of credit check that does not leave a visible mark on…
Credit File
A detailed record held by credit reference agencies that doc…
Credit Score
A numerical rating assigned by credit reference agencies tha…
Credit Check
An enquiry made by a lender or other organisation to review …
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