When you initially check your eligibility with us we work with our credit reference agency partner, TransUnion, to do a soft search. This means our checks won’t impact your credit file.
You might also see a soft search on your credit file after searching on a price comparison website for a quote, however this won’t be visible to other lenders.
We will only perform a hard search if you go on to complete the full application and accept the loan agreement.
As a responsible lender, we need to run these checks before you can receive your loan. A hard search may impact your credit score and your ability to obtain credit in the future.
If you want further information about your credit file, you can access this via TransUnion for free here.