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New Contributor
Posts: 70
Registered: ‎01-13-2014

Are all inquires from score watch hard pulls?


I joined a credit union yesterday, and today I noticed a inquire here in score watch. The loan person yesterday said it would be a soft pull, but it is here in score watch. I called to verify and the rep could not tell if it was a hard or soft pull. The rep told me that if it was a hard pull, the information would be in there system for 30 days.


If it is a hard pull, I feel like applying for a credit card or loan, I don’t need it, but the rates are better then what I have now and there would be nothing to lose.

Discover FICO 759(04/15)
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Valued Contributor
Posts: 2,111
Registered: ‎07-29-2011

Re: Are all inquires from score watch hard pulls?

Yes, if Score Watch notfied you, it was a hard pull.  This is typical for joining a credit union.

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