Life span of a "Hard Pull"
Mar 19, 2013 | 11:24 am
#16
Join Date: Feb 2013
Posts: 1,818
Mar 19, 2013 | 12:03 pm
#17
Join Date: Nov 2003
Location: SF Bay Area
Posts: 66
It's highly dependent on geography. Barclays tend to pull TU regardless. In my area, Chase and Citi pull Experian.
You can get a good idea of which credit report is pulled using this database.
http://creditboards.com/forums/index...pp=creditpulls
Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.
As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.
When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.
You can get a good idea of which credit report is pulled using this database.
http://creditboards.com/forums/index...pp=creditpulls
Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.
As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.
When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.
Mar 19, 2013 | 12:12 pm
#18
Join Date: Feb 2013
Posts: 1,818
It's highly dependent on geography. Barclays tend to pull TU regardless. In my area, Chase and Citi pull Experian.
You can get a good idea of which credit report is pulled using this database.
http://creditboards.com/forums/index...pp=creditpulls
Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.
As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.
When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.
You can get a good idea of which credit report is pulled using this database.
http://creditboards.com/forums/index...pp=creditpulls
Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.
As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.
When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.
Mar 19, 2013 | 4:13 pm
#20
Join Date: Dec 2012
Location: SFO
Posts: 46
It's highly dependent on geography. Barclays tend to pull TU regardless. In my area, Chase and Citi pull Experian.
You can get a good idea of which credit report is pulled using this database.
http://creditboards.com/forums/index...pp=creditpulls
Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.
As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.
When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.
You can get a good idea of which credit report is pulled using this database.
http://creditboards.com/forums/index...pp=creditpulls
Usually, only 1 credit report is pulled per app. Capital One pulls all 3 major. Citi and Chase sometimes will pull 2.
As previously mentioned, hard inquiries stay on your reports for 2 years. Damage to FICO usually 15-20 points if you do multiple apps in short span. Negative impact diminishes significantly by 6 months. Some creditors (Barclays and credit unions) are more averse to inquiries.
When doing app-o-ramas, target the creditors to spread the inquiries across different bureaus.
Mar 19, 2013 | 5:29 pm
#21
Join Date: Oct 2010
Location: LAS
Programs: Southwest, United, Marriott
Posts: 161
Mar 19, 2013 | 7:07 pm
#22
Join Date: Feb 2013
Posts: 1,818
Thanks for the info..
Mar 19, 2013 | 8:25 pm
#25
Original Poster
Join Date: Feb 2013
Location: Scottsdale, Az.
Programs: US Gold & AA Lifetime Gold
Posts: 216
Mar 19, 2013 | 8:40 pm
#26
Join Date: Oct 2010
Location: LAS
Programs: Southwest, United, Marriott
Posts: 161
Mar 19, 2013 | 9:47 pm
#28
Join Date: May 2012
Posts: 732
Mar 19, 2013 | 10:23 pm
#29
Join Date: Nov 2003
Location: SF Bay Area
Posts: 66
Mar 19, 2013 | 10:30 pm
#30
Join Date: Nov 2003
Location: SF Bay Area
Posts: 66
Yes, that's accurate.
For TU, use SmartCredit Premium and/or TransunionPlus. You need 65 instead of 85 hard/soft total.
Some people have argued that bumpage doesn't work with TU because all the inquiries remain on your TU Enhanced reports. However, when creditors pull your reports, they don't see that information from your enhanced report. Some disagreement exists here but I'm in the camp that says it works.
However, note that other companies such as Advanced Resolution Services (ARS) keep track of the # of credit applications you've had and sell them to banks. So despite B*, sometimes banks will know how many applications and inquiries you've had any way.