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@RobertEG wrote:It is not true thart all soft and hard pulls give the requestor the same info. Some soft pulls are made only to secure name/address info to make offers for credit for which you have not applied (e.g. "pre-approved" screening offers). To get all the credit inquiry codes and explanations, pull your full report from annualcreditreport.com.
kbell wrote:
My understanding is that hard inquiries stay on your record for 2 years. Also, hard pulls can lower your FICO score from a couple points to a bunch. How long before hard inquiries will no longer affect on your score? As early as 2 months to a year?
@kbell wrote:
My understanding is that hard inquiries stay on your record for 2 years. Also, hard pulls can lower your FICO score from a couple points to a bunch. How long before hard inquiries will no longer affect on your score? As early as 2 months to a year?