Is it 1 hard pull or 2 hard pulls?
Jan 5, 2014 | 2:06 pm
#1
Original Poster
Join Date: Mar 2012
Programs: Hilton, Hyatt, Priority, SPG - AA, Hawaiian Airline, United, US Airline
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Is it 1 hard pull or 2 hard pulls?
I applied Discover It and Bank of American card on 12/31/13. When I check my credit report, I see they both pulled Equifax on 12/31/13. I am wondering they are considered 1 pull or 2 pulls on my credit report? If they are 2 pulls, will they be merged in 1 pull?
Jan 5, 2014 | 3:02 pm
#3
Join Date: Dec 2013
Posts: 260
No, most likely it will be consider 2 pulls as it's 2 different banks. I believe if you were doing 2 apps with the same bank at about the same time may result in 1 pull.
Jan 5, 2014 | 4:44 pm
#4
Join Date: Jul 2012
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Somewhat related, a few months ago I got a new car, and now EQ shows two inquiries on the same day: by the dealership, and by the manufacturer's financing arm.
Would that be considered two hard pulls?
Would that be considered two hard pulls?
Jan 5, 2014 | 9:27 pm
#5
Moderator: Chase Ultimate Rewards
Join Date: Apr 2005
Location: SFO
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Posts: 5,664
Depending on the type of inquiry and the revision of FICO being used, multiple inquiries across lenders will be combined in a period of 14-45 days.
See this thread on myfico: http://ficoforums.myfico.com/t5/Unde...e/td-p/2127133
Jan 6, 2014 | 9:14 am
#6
Join Date: Jun 2008
Location: BAY AREA
Posts: 1,208
Is it 1 hard pull or 2 hard pulls?
I applied for Barclaycard on a Sunday and got approved with 10k limit. I called the next to day to see I can get it bumped and Rep told me they need to do a another hard pull. I agreed to it. A few days later, I checked my credit report and it only showed one hard pull from them 
