We will look at the guarantor's credit file to make sure that they are financially stable and haven't had trouble paying back their bills in the past.
This is done using a ‘soft search’ which is invisible to other companies and won’t have any impact on the guarantor's credit. Only the guarantor will be able to see these searches on their file.
The guarantor could find their credit file and score affected if both the borrower and the guarantor do not pay and we are forced to take court action.