Every time you make an application for credit, a 'hard search' is carried out on your file and a mark is left on your credit report - even if your application was rejected.
If you make too many credit applications in a short space of time, this could negatively impact your credit score, as it can make lenders think you're desperate for credit. These searches can stay on your report for 12 months.
This means if you're rejected for credit, you shouldn’t immediately apply elsewhere. Wait until some time has passed before you apply again, and before you do, check your credit report information is accurate to boost your chances of success.
Checking your report with ClearScore doesn’t affect your credit score.
We run a ‘soft’ check which has no negative impact on your score or report.