Hard search
A credit check usually carried out when someone applies for borrowing. It is recorded on the credit file and can be visible to other lenders.
Related terms
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Credit search
A check of credit information carried out by a lender, business or individual for an authorised purpose.
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Soft search
A credit-file check that is not normally visible to other lenders and does not usually affect lending decisions in the same way as a hard search.
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Financial association
A link recorded on a credit file between people who share certain joint financial products, which can affect how lenders assess applications.
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