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Hard Inquiry on your Credit report

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Joined: 07 Feb 2011
misaelwade's page
Posts: 10

122 Magic Points

Posted on Thu Jun 30, 2011 12:37 pm  

A hard inquiry occurs when a retail creditor pulls a credit report for the purpose of attempting to extend you credit. These inquiries can be seen from Local Banks, Credit Card Companies when you are trying to get a new credit card, employers. Each hard inquiry is viewed as a negative and can affect your score between 1+ points. Because every credit report is different and ever changing there is no way to pin down exactly how much an inquiry hurts your credit.
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Subject: Hard Pull Inquiries
Posted on Sat Oct 22, 2011 11:34 pm  

Okay, while it's true that hard pull inquiries will stay on your credit report for two years--this is of interest only to lenders. And it's perfectly reasonable to have 1 to 2 inquiries at any given time.

However, the effect on your credit score lasts only for one year. For instance, your FICO score may take a modest 5 to 10 point hit immediately--but this gradually fades after 6 months and by the 13th month your credit score should be fully recovered from that hard pull.

Hard inquiries are the trade-off for opening new lines of credit--or applying for higher credit limits with some companies. Obviously, you should try to limit them to yearly events at best. Having many more than 2 inquiries of record in a 24 month period could drop your credit scores significantly. So, do try to make them count.

Subject: Hard Inquiries
Posted on Mon May 07, 2012 6:55 pm  

I recently purchased a truck for my husband and asked the dealership to find us a loan with the best rates. They dished out to 10 places who did hard inquiries. I read somewhere that if there are several hard inquiries done within a month by the same type of loan companies, (car loans, house loans, etc) they credit agencies, Transunion, Equifax, Experian will unite those as 1 hard hit, knowing that it was caused by finding a specific loan with the best rates. I now have 10 hard hits in a 1 month period because of this. How do I get rid of them or get the 3 agencies to combine them as 1 or 2 to help my credit score. I can't wait 2 years to be able to apply for credit again.

Subject: hard inquiries
Posted on Sun Jul 15, 2012 8:52 pm  

I am trying to figure out whether my situation fits a HARD INQUIRY or SOFT INQUIRY. I have recently applied for apartment and they have pulled my credit which is fine with me but I was not expecting it to be a hard inquiry. I would appreciate if someone could give a clear answer on this one. Thanks very much in advance.
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Subject: yEGwuxbzwK
Posted on Wed Aug 06, 2014 6:29 am  

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Subject: Hard inquiry
Posted on Sun Aug 31, 2014 2:24 pm  

Hard inquiry's stay on for two years exactly and then they are dropped. I applied for a credit union and it was dropped exactly two years later. I accepted a brand new car loan and it recently went away exactly making it two years.

Subject: hacking services
Posted on Thu Mar 29, 2018 7:24 pm  

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Subject: The Best Credit Hacker
Posted on Mon Nov 19, 2018 6:55 am  

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Subject: Credit Repair
Posted on Mon Nov 19, 2018 11:34 am  

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