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What’s the difference between a soft and a hard credit check?

• Updated

If you apply for finance with Cazoo, there are two types of credit checks - hard and soft.

A soft credit check is a preliminary credit check which is usually carried out to understand if you’re eligible for certain products with lenders. This type of check isn't visible to other lenders and doesn't impact your credit score.

A hard credit check is carried out when you’ve applied for credit and the lender reviews your credit report to help make a decision on your finance application. This type of check is visible to other lenders and can have an impact on your credit score.

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