Life span of a "Hard Pull"
 

Read a ton of posts but haven't been able to locate this. How long does a hard pull stay on one's credit report? Thanks.

Two (2) years

Stays on the report for 2 years but stops factoring into credit score after 1.

Any ideas on how much "damage" it actually causes to a credit score of 780 to 800 ish? When doing a 4 or 5 card sign up what kind of hit is a solid score going to take? 10 points? 100 points?

It also depends on your length of Hx. But in my case a 10-15 point hit.

Two years ago, 2 months ago I was in the high 790s and 3 hard inquiries knocked it down 11 points. Today it's back to 1 point above where it started.

Over all or per card?

Why do you care? :confused:

Just because it's still on your credit report, doesn't mean a particular bank looks that far back.

How far back a bank looks is a totally separate question.

For example, Citi looks back only 6 months (typically wanting no more than about 6 or 7 inquiries on your report in that time).

Four fresh inquiries on EQ dropped my FICO score 26 points from an initial score of 812. This was an immediate impact before any new accts reported or other changes. I have a thick file, long history and 8 years avg age of accounts.

Very much a YMMV situation. I'll bump the inqs off in the next week or so. New accounts reporting don't seem to impact my score much, if at all.

Heh, seriously? You can't understand why someone would want to know this information?

Where did you hear that (the 6 months)?

So true, some banks are more lax while others like ex: Barclay is more strict as they look back further and in more detail, also their recon line is also very strict and often unforgiving once judgement is made.

Is it common to have two credit reports that report different hard inquiries?
 

I'm new to viewing credit reports. Is it common to have two credit reports that report different hard inquiries? Both Experian and Equifax reports 10 hard inquiries in the last two years but only 2 of them are the same date and same companies. The other 8 aren't even closely related.

@Super - Different banks/lenders pull different bureaus. Some pull all, some only one or two.

Yes, and that is a great thing. In my case, Chase and Citi generally pull Equifax, Amex and Bank of America pull Experian, and Barclays pulls Transunion. You should learn who pulls where and factor this into your churn plan.