A credit check is a process conducted by a lender to assess the suitability of your application. Some lenders will use your credit score as the main and in some cases, the only factor. However, others will look more closely at your credit history and comprehensive credit reporting (CCR) information. Once a lender conducts their credit check, they will decide whether to accept or decline your application.
Some lenders may also refer to conducting a soft enquiry or hard enquiry.