topic Re: One hard pull...how much will it hurt? in Understanding FICO® Scoring

One hard pull...how much will it hurt?

Anonymous — Tue, 08 May 2012 00:31:33 GMT

I have no HPs on there now, but want to get an Amex card. My myfico EQ score is approx 710 and I'm looking for an apt. Should I hold off on aping for the card?

Re: One hard pull...how much will it hurt?

pizzadude — Tue, 08 May 2012 01:37:34 GMT

@Anonymous wrote:
I have no HPs on there now, but want to get an Amex card. My myfico EQ score is approx 710 and I'm looking for an apt. Should I hold off on aping for the card?

A single inquiry shouldn't hurt your FICO that much. And any potential landlords who pull your credit likely won't care about inquiries as much as they want to see if you have a lot of deliquent accounts or judgements/collections/etc...

Also ~ AMEX usually pulls Experian for their charge cards. Sometimes they will pull all three for credit card applications.

Re: One hard pull...how much will it hurt?

bettercreditguy1 — Tue, 08 May 2012 02:24:35 GMT

Amex pulled EQ for opening my account. Recently, they both have done soft pulls for follow ups.

Re: One hard pull...how much will it hurt?

pizzadude — Tue, 08 May 2012 02:38:43 GMT

@bettercreditguy1 wrote:
Amex pulled EQ for opening my account. Recently, they both have done soft pulls for follow ups.

Interesting ~ did they also pull TU and EX when you were approved ? I've never heard of them just pulling Equifax.

Re: One hard pull...how much will it hurt?

marty56 — Wed, 09 May 2012 09:00:08 GMT

I have seen from 0 to 15 points on TU for my credit profile.

Re: One hard pull...how much will it hurt?

Anonymous — Wed, 09 May 2012 16:31:47 GMT

My last hard pull (March 26) cost me 7 points on TU and 8 on EQ.

Re: One hard pull...how much will it hurt?

mtrsprt — Sat, 12 May 2012 18:36:53 GMT

14 hards between July of 2011, to March of 2012. Score dropped 6 points.

Re: One hard pull...how much will it hurt?

Anonymous — Sat, 12 May 2012 20:05:06 GMT

I had a future landlord pull back in Feb 12, and it resulted in no change, just notification of an inq. I do not believe an inq dropped off at the same time canceling each other out.