cancel
Showing results for 
Search instead for 
Did you mean: 

Are all inquires from score watch hard pulls?

New Contributor

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)
Barclaycard FICO 763 (04/15)
Citi FICO 736 (04/15)
BOA Experian 744 (05/15)
Message 1 of 2
1 REPLY
Highlighted
Valued Contributor

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.

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 2 of 2