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jimipo

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Hard inquiry lowered my score 9 pts. Does hard inquiry see my score before those points were taken?

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When the creditor pulls your credit as a hard inquiry, they get the entire snapshot of your credit report on that date.   The hard inquiry reduction would apply at that time for any future creditors, although, not on their current pull..   When a creditor pulls you credit, they are fully aware that you'll be taking a reduction in the score based on their pull as well as any potential new account and will take that into consideration.  If it was a mortgage company, they may pull again near closing just to ensure that everything is near the same and they will understand the impact of what they did to your credit score.

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Nine points is minor stuff on a credit score, so nothing to worry about, as is explained in the articles here.

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