Hard pulls and soft pulls

[Phaseshift]

I tried applying for 4 credit cards recently, all of which were hard pulls. Now will they show up on my credit report as 1 inquiry since it was under 14 days? Can someone explain to me the 14 day rule.

[09Lexie]

That "rule'' applies to auto/mortgage shopping.  Apps for credit cards will count as individual HP's. 

[Phaseshift]

Can I do soft pulls to remove hard pulls on the list?

[BigBS]

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@Phaseshift wrote:

Can I do soft pulls to remove hard pulls on the list?

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No, those HPs are there for 2 years but decrease in impact to your CR starting around 6 months.

[takeshi74]

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@Phaseshift wrote:

Can I do soft pulls to remove hard pulls on the list?

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No.  SP's don't negate HP's.  They're both cumulative.  You'll have to wait for them to fall off at this point.