Frequent Contributor
Posts: 468
Registered: ‎02-07-2010

Credit pull Trick?

I was sitting thinking and this thought came to mind: I see my LO pulls my credit right before the 30 day window expires. Is this to keep that window open and to pull credit as much as she wants with no impact to my current score? If this is the case, could I also allow other banks to pull my credit and have no impact to my score?

Starting Score:TransUnion: 698 (12 FEB 2010), Equifax: 674 (12 FEB 2010)
Current Score (Lender Pulled):TransUnion: 695 (26 JUN 2013), Equifax: 636 (26 JUN 2013), Experian: 670 (26 JUN 2013)
Goal Score:All scores 700+ by Dec 2013!!

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Valued Contributor
Posts: 2,297
Registered: ‎08-25-2011

Re: Credit pull Trick?

After the 30 days, a new inq will count on TU and EQ.


However EX its only 15 days.


If you allow other banks to pull your credit and it has been 30 days since the first pull, you will take a hit for the inq and a new 30 day window will start.

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011

Re: Credit pull Trick?

My advice is, don't let a lot of lenders pull your score.  it can hurt your approval.   After the 30 days is over, all of the pulls count and can drop your score drastically...  

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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