@tray wrote:
@Anonymous wrote:
I received an invitation in the mail to apply for a personal loan. I applied out of curiosity and got approved. I didn't accept the offer because the interest rate wasn't compatible.
Was it a hard pull on your credit report when you applied? I am going to fill out the form tomorrow just to see, I question what the interest rate will be I will post back, hopefully no hard pull will be done. Thanks everyone for the replies
Yes, it is a hard pull. In fact, they will pull two different credit reports. They pulled TU and EX on me. I lost about 2 points each for each inquiry. My scores are in the mid 700s, so if yours is the same or lower, I would get a loan through a credit union.
