Mortgage Knowledge Base
This is a search of your credit file carried out by a lender to establish suitability for credit. When the lender does a credit search they are able to see not only what credit agreements you have but also whether you have made each payment and on time. It is the credit search that will reveal any CCJs registered against you. Not to be confused with credit score.
There are two types of credit search:
- Soft credit search
- Hard credit search
We cover your credit file in more detail: Your Credit Report Explained.
