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why does a hard pull effect your credit?
I would think the credit companies would WANT you to stay on top of your credit, but doing so is detrimental. Why?
Asked by
MScott80
1 year ago
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I think you're confusing a hard and a soft pull. SOFT pulls are OK - those are the kind that happen when you check your own credit and they do not hurt your credit score.
HARD pulls are when you actually *apply* for something, like a new credit card or a mortgage. Anytime you're looking for credit, you're considered to be a slightly higher risk
ryan 1 year ago
A hard pull means you're applying to take on more debt, which may, most likely, have a negative impact on your score if the application is accepted.
superhookie 1 year ago