We do a soft search of your credit report(s) for Credit Club. These will appear in the 'soft searches' section of your credit report – not in the 'hard' credit application searches.
This means that if you view your credit report(s), you’ll be able to see we’ve searched it, but lenders usually won’t – and where they can see it, they can’t use it – so there’ll be no impact on your creditworthiness.
Once a month, or when you log in to Credit Club if that's more often, we update your TransUnion Credit Score and Report. To do this, we need to search your TransUnion Credit Report. This will show as MoneySavingExpert (Cr Api).