Will a credit search take place against me and will it impact my credit score?

On Klarna’s pay in 3 Instalments product we may run a  soft credit search that does not affect a customers credit score and is only visible on your credit file by you and Klarna. Neither Klarna nor the merchant run credit searches that could impact your credit rating. This includes at the point of application, if a payment is missed, or if the outstanding balance enters a debt collection stage.

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