Credit
What a soft search means on your credit file
Rook Bristol Editorial · Updated · 4 min read
The short answer
A soft search lets a lender view your credit file without affecting your credit score, and it isn't visible to other lenders. Rook Bristol uses a soft search when you apply. A hard search, which other lenders can see and which may affect your score for a short period, only happens if you choose to proceed with an offer.
What's the difference between a soft and a hard search?
| Soft search | Hard search | |
|---|---|---|
| Affects your credit score | No | It can, briefly |
| Visible to other lenders | No, only to you | Yes |
| When it happens at Rook Bristol | When you apply | Only if you proceed with an offer |
Because applying only triggers a soft search, you can see what may be available, compare it with other options and walk away with no mark that other lenders can see.
Which credit reference agencies are used?
UK lenders typically use one or more of Experian, Equifax and TransUnion. For a limited company, the business has its own credit file too, built from Companies House filings, payment history and any County Court Judgments. Directors' personal files are often checked as well.
How can I check my own credit file?
You're entitled to see your personal credit file from each agency for free. Check for errors, old addresses and linked financial associates before you apply, and ask the agency to correct anything that's wrong.
What else do lenders review?
Credit history is one input. Turnover, cash flow and time trading often matter more, which is why we ask for recent bank statements. See how to qualify for an unsecured business loan.