Valued Contributor
Posts: 1,919
Registered: ‎11-17-2012
Re: hard pulls

CLANCY910 wrote:

Hello i was wondering when doing a hard pull obvisously it is goiing to lower your score. my question is how long does it take to get them points back?


Almost all the effects of a hard pull are remedied after 6 months, and the complete effect of it is gone by the year mark. However, hard inquiries will stay on your report for 2 years; just their effect on score will drop off after one year. All the best!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787