Should I Use an Eligibility Checker? Hard vs Soft Search Guide
Find out when to use an eligibility checker and how to protect your credit score when applying.
Hard Search Impact Calculator
See how multiple hard searches in a short period affect your credit score and how long the impact lasts.
Hard Search Impact
| Searches | Typical Impact | Lender View |
|---|---|---|
| 1 | -5 to -10 points | Normal, no concern |
| 2 | -10 to -20 points | Slight concern |
| 3 | -20 to -40 points | Moderate concern |
| 4 | -40 to -70 points | High concern |
| 5+ | -70+ points | Automatic rejection risk |
Hard searches drop off your file after 12 months. Always use a soft-search eligibility checker before formally applying for any credit product.
Disclaimer
This calculator is for illustrative purposes only. Results are estimates based on the figures you enter. Always seek independent financial advice before making any financial decisions. Affiliate disclosure.