The initial, soft, credit search using our eligibility check is a simple
background check. Examples of these searches could be checking your own credit score, a background check, and pre-approved loan offers. None of
these will affect your credit rating, they simply go on your credit file as a trace.
A hard credit search is only completed if you apply for a loan. Hard searches will show up on your credit profile and may affect your score,
although in many cases only temporarily. AA Car Finance will only complete a hard credit search when absolutely necessary, and will request
your explicit permission before doing so. Find out more.