Defined
What Is Hard Search?
A hard search is a full credit check that's recorded on your file when you apply for finance. Other lenders can see it, and several in a short time can dip your score.
A hard search (or hard credit search) happens when you formally apply for car finance and the lender makes its decision. Unlike a soft search, it leaves a footprint on your credit file that stays visible to other lenders for about 12 months.
How a hard search works
A hard search is logged on your credit file and can knock a few points off your score, especially if you make several applications close together. One on its own has only a small, short-lived effect.
Lots of hard searches in a short window can look like you're desperate for credit, which worries lenders. That's why you should run a soft search first to check your odds, and apply — triggering a hard search — only when you've settled on a deal.
When a hard search happens
A hard search is triggered by a full application, not by a quote or eligibility check. So you can compare freely first and only commit to one hard search.
Watch out
Frequently asked
Does a hard search hurt your credit score?
How long does a hard search stay on your file?
How do I avoid multiple hard searches?
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