Life span of a "Hard Pull"
Mar 7, 2013 | 10:51 am
#4
Original Poster
Join Date: Feb 2013
Location: Scottsdale, Az.
Programs: US Gold & AA Lifetime Gold
Posts: 216
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?
Mar 7, 2013 | 11:24 am
#5
Join Date: Nov 2010
Location: Traveling some where hopefully
Programs: AS, AA Gold, and Hilton
Posts: 1,953
Mar 7, 2013 | 11:52 am
#6
FlyerTalk Evangelist
Join Date: May 2002
Location: Pittsburgh
Programs: MR LT Titanium, AA LT PLT, UA SLV, Avis PreferredPlus, HH Gold, Hertz PC, National Executive, etc.
Posts: 31,670
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.
Mar 7, 2013 | 4:26 pm
#8
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 26,111
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).
Mar 7, 2013 | 4:28 pm
#9
Join Date: Apr 2012
Location: BRU
Programs: Amex Centurion
Posts: 69
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.
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.
Mar 8, 2013 | 8:27 am
#12
Join Date: Mar 2006
Posts: 201
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).
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).
Mar 19, 2013 | 5:20 am
#13
Join Date: Feb 2013
Posts: 1,818
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.
Mar 19, 2013 | 6:18 am
#15
Join Date: Mar 2006
Location: DEN
Posts: 814
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.