2 min read
Definition
A hard search is a full credit check that is recorded on the file and visible to other lenders. It is made when you formally apply for finance. A single one has little effect, but many in a short period can suggest financial strain and dent the score.
Why it matters
Because hard searches accumulate, avoid scattering applications. Check eligibility with a soft search first, then apply only where you have a real chance. See affordability vs eligibility.
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