Your credit score is a way to show how reliable you are with money.
Based on your name and the addresses you share when applying, a lender will work with a credit reference agency to go through your credit file. They’ll look at your current and past financial commitments – and all the payments you’ve made towards them – to give you a score based on what they find.
If your application reaches the 'acceptance' score of a lender, it’ll be accepted. If it doesn’t, it’ll be declined. Being declined doesn’t make you a bad applicant – it just means you don’t meet the requirements of that particular lender.
A record of the search will be shown on your credit file to make other lenders aware that the lender has requested information about you, but it won’t impact your credit score.