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Hard/soft searches for loans

Good afternoon mse forummers

Again I come seeking advice reagrding hard and soft searches on my credit file when looking for loans.

Can anyone reccommend some sites for soft searches as I am still in the research stage and do not want to affect my credit rating by doing too many hard searches!

Community bank/ credit union is my frontrunner at the moment 👍

thanks 

Comments

  • Mark_d
    Mark_d Posts: 2,501 Forumite
    1,000 Posts Second Anniversary Name Dropper
    A soft search basically just confirms your identity.  If you want something based on a lender's assessment of your credit worthiness then a hard search will be involved.
    Tesco bank look like they have some good rates for personal loans
  • born_again
    born_again Posts: 20,790 Forumite
    10,000 Posts Sixth Anniversary Name Dropper
    Good afternoon mse forummers

    Again I come seeking advice reagrding hard and soft searches on my credit file when looking for loans.

    Can anyone reccommend some sites for soft searches as I am still in the research stage and do not want to affect my credit rating by doing too many hard searches!

    Community bank/ credit union is my frontrunner at the moment 👍

    thanks 
    Credit rating is a pointless figure. Lenders never see it.

    Lenders will be looking at your credit history & affordability. Although a lot of hard checks in a short period is not a good look & may lead to deeper checks.
    Life in the slow lane
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