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Soft versus hard
A soft search — used to check eligibility — leaves no visible footprint and does not affect your score. A hard search is recorded and visible to other lenders. Credicorp assesses eligibility with a soft search first, so looking is free.
When hard searches add up
One hard search has a small, temporary effect. Several in a few weeks reads as spraying applications, which lenders treat as a risk sign. Spacing genuine applications and checking eligibility softly first avoids this.
Applying
Check first, apply deliberately. apply online — Credicorp searches softly to assess, with no personal guarantee.
Frequently asked questions
How many hard searches is too many?
There's no fixed number, but several in a short window signals credit-hunting. Spacing applications and using soft eligibility checks keeps your file clean.
Does Credicorp do a hard search to look?
No — eligibility is assessed with a soft search that leaves no visible footprint. A hard search only happens at the point of a firm application.
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