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Will a PCP claim hurt my credit score? Soft search vs hard search

Will a PCP claim hurt my credit score? Soft search vs hard search

By Mark Henry on May 8, 2026

No. A PCP or DCA claim eligibility check uses a soft credit search — a record-only enquiry that doesn't affect your credit score and isn't visible to other lenders. Here's exactly how soft and hard credit searches differ.
Credit ScorePCPSoft Search

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