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Definition
A soft search is a credit check that does not leave a mark visible to other lenders and does not affect the score. It is used to give an indicative quote or eligibility decision before a full application, letting you check your chances safely.
How it differs from a hard search
A hard search is recorded and visible, and several in quick succession can dent a score. Wherever possible, check eligibility with a soft search first. See affordability vs eligibility.
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