Klarna - issue coming up in hard searches

CharlieS8

My credit file is showing a hard search which is effecting my credit file. Klarna is not meant to conduct hard searches for lending/ pay later options. According to their customer's services it is sn issue their end. I have raised a complaint. However, it is now effecting my lending i.e. I can not use Klarna at all now and have been declined by a credit card I expect because of this. Does anyone know how I challenge this on my file? There seems to be a ton of companies all promising access to credit files. 

D3xt3r5L4b

You won’t be declined credit on the basis of one hard search

The_Fat_Controller

Who says any company is not permitted to do a hard search ?

adamp87

The_Fat_Controller said:

Who says any company is not permitted to do a hard search ?

I think Klarna only do soft search or advertise that - just for Pay Later

For financing they do commit to a full credit search

https://www.klarna.com/uk/csr/openness/

CocoM2020

They do soft search for pay later - just checked my own as I used it a while ago. However mine was for £50 - for more I can’t say hard or soft.

MinuteNoodles

The type of people who use Klarna are those who tend to be living beyond their means and use Klarna to buy things they can't afford, kicking the can down the road so it's likely you're failing applications on affordability tests, the amount of debt you have compared to your income makes you ineligible especially now lenders are all tightening up their criteria.