为了正确解释Hard Pull, 我们来直接参考Credit Karma和Experian是怎么定义的, Credit Karma是专门提供个人信用相关信息的第三方,Experian是美国三大信用局之一。 Credit Karma 的定义是:“Hard inquiries generally occur when a financial institution, suchasa lender or credit card issuer, checks your credit when mak...
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Lenders view your credit history in one of two ways—a hard inquiry or a soft inquiry (also known as a hard pull or soft pull). The basics Main difference Lenders run a hard inquiry when you apply for aloan, such as a mortgage or a car loan, or acredit card. They run soft inquiri...
Ahard inquiryor hard pull, happens when you officially apply for credit, such as by filling out a credit card application. Hard inquiries also occur when you apply for a mortgage, an auto loan, or any number of other financial products that extend you credit. Hard pulls canharm your credit...
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Say a credit card company wants to know if it should invite you to apply for one of its cards. That company can run a soft credit check without your permission. However, if it wants to run a hard credit check, it mus...
Mortgage applications. Applying for a major loan for something like a mortgage will trigger a hard credit inquiry by the lender Auto loans. Auto loans are another major loan people take out during their life. Like a mortgage, this will trigger a hard inquiry ...
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What is a soft credit check? A soft credit check doesn’t usually affect your credit score. Many lenders do a soft credit pull to show you what youmightqualify for and the rate you could reasonably expect to get. When you’reshopping around for the best deal on a loan, keep these tip...
Capital one will do a hard credit pull for a checking account only if you opt for overdraft protection. As long as you opt out there will only be a soft pull. Their savings account only has a soft pull done. This is also answered on their website which can be found by clicking here...