When you apply for Financing with Klarna, Klarna will make a full credit search with the credit reference agencies who supply Klarna with credit information. The agencies will record details of the search, which can be seen on your credit file, regardless of whether or not credit is approved. This record will also be visible to third parties and other lenders and may affect whether or not other organisations decide to provide you with credit in future. For any questions relating to the credit check process, you can contact Klarna’s customer support team.