Hard credit check
A formal credit check that is recorded on your file. Too many in a short time can lower your score, so it pays to apply carefully.
A hard credit check happens when a lender formally assesses you for credit. Unlike a soft credit check, it is recorded on your credit file and other lenders can see it.
One hard check has only a small effect. The problem is stacking several in a short time, which can make lenders think you are desperate for credit and can pull your score down.
This is a common mistake. People apply to many lenders at once to improve their odds, and end up with a string of hard checks that hurt them instead.
The smarter path is to get matched first with a soft check, then only proceed to a formal application with a lender likely to approve you. That is how we work. Get your fair rate without stacking up hard checks.
See your repayments, then get a fair rate.
One application, one soft credit check, no obligation. We match you to the lender most likely to give you a fair go.