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.