topic Re: 7 Point Drop from Hard Pull in Understanding FICO® Scoring

7 Point Drop from Hard Pull

DXness — Tue, 09 Jun 2026 20:59:46 GMT

Forum vets who never ruined their credit before will surely chuckle at this one. HPs on clean profiles hurt! Ouch!

I just got approved for another card today (will make the usual thread full of DPs when the card arrives), and took a 7 point hit on EX for it. I'm not used to losing points for HPs and I don't like it...~~time to go intentionally miss a payment~~. Like longtime convicts who commit a crime just to be sent back to the world they know.

That said, I've still got an EX8 over 780 so...I'll live. This'll also be the only dedicated HP point loss thread I make since the novelty will wear off by the second clean hit.

Re: 7 Point Drop from Hard Pull

GZG — Tue, 09 Jun 2026 21:21:20 GMT

@DXness wrote:
Forum vets who never ruined their credit before will surely chuckle at this one. HPs on clean profiles hurt! Ouch!

I just got approved for another card today (will make the usual thread full of DPs when the card arrives), and took a 7 point hit on EX for it. I'm not used to losing points for HPs and I don't like it...~~time to go intentionally miss a payment~~. Like longtime convicts who commit a crime just to be sent back to the world they know.

That said, I've still got an EX8 over 780 so...I'll live. This'll also be the only dedicated HP point loss thread I make since the novelty will wear off by the second clean hit.

the real answer is to get so many hard pulls you get to the point where you don't lose points for hard pulls anymore

Re: 7 Point Drop from Hard Pull

SusanJA — Tue, 09 Jun 2026 22:13:56 GMT

That happens, unfortunately. Your score will be back up in no time with good behavior

Re: 7 Point Drop from Hard Pull

BrutalBodyShots — Wed, 10 Jun 2026 02:21:18 GMT

@SusanJA wrote:
That happens, unfortunately. Your score will be back up in no time with good behavior

Hard inquiries are score-impacting for exactly 365 days.