I signed up for membership & opened a savings account at the beginning of January (hard pull on the 3rd). A week later I opened a checking account (second hard pull on the 13th) and changed my direct deposit election through my employer to go into my new DCU checking. My original goal was to apply for an auto loan before the 30 day window of the second hard pull ended, resulting in what I understand to only be a soft pull for the loan. But since that hard pull on the 13th and the FICO score I received from DCU at that time, I had one misreporting late payment of 60+ removed from all 3 reports and my scores have risen, putting me (hopefully) in a lower interest rate bracket. Will the soft pull they use for my loan application reflect the earlier score from the 2nd hard pull or will they see my new updated scores?
Hopefully that made sense, I'm bad at rambling :/
