A Soft Credit Search is a search that is not seen by lenders; therefore, it does not have an impact on your credit history. Multiple hard credit searches that are seen by lenders can hurt your credit file, meaning if you are looking for loans with bad credit and have applied multiple times, you could be declined. At New Horizons, all of our direct lenders use Soft Search technology, meaning they can search the market for the best bad credit loans without damaging your credit history.