topic Re: Do previous Hard Pulls for Rental Property, Internet service etc count towards credit card app c in General Credit Topics

Do previous Hard Pulls for Rental Property, Internet service etc count towards credit card app count

NaaryalHead — Sun, 02 Sep 2018 21:04:05 GMT

Dear gardeners,
My equifax shows 5 hard pulls in last 12 months but 3 of those are from Comcast for internet service, my cellular company and rental property company when I tried to get an apt, intent connection and cellular connection with NO credit as an immigrant. Of course I had to put in cash as security deposit for all 3 but they show as hard pulls on my EQ report. Will they affect my credit card apps or when applying for credit in general?

I'm not happy with them showing as hard pull :/

Re: Do previous Hard Pulls for Rental Property, Internet service etc count towards credit card app c

iv — Sun, 02 Sep 2018 21:47:30 GMT

Yes, but the effect is small.

Re: Do previous Hard Pulls for Rental Property, Internet service etc count towards credit card app c

Medic981 — Mon, 03 Sep 2018 15:18:07 GMT

@iv wrote:
Yes, but the effect is small.

As IV stated the impact to your FICO score is minimal.

Your file is going to be thin, so applying for a CC is going to more impacted by how thin your file is rather than the number of inquiries you have. As those inquiries were for establishing creditworthiness and not revolving credit, it is not going to impact your ability to obtain revolving credit in itself.

If you want to establish a revolving credit card history with a thin file, I would consider either Amex or Discover as they are CCC that are not typically adverse to thin credit files as long as you have no derogatories.

Re: Do previous Hard Pulls for Rental Property, Internet service etc count towards credit card app c

SweetCreditObsession — Tue, 04 Sep 2018 00:29:57 GMT

Welcome to the country. Your scores will not be adversely affected and the impact of an inquiry to your score goes away after 12 months.

Re: Do previous Hard Pulls for Rental Property, Internet service etc count towards credit card app c

Anonymous — Tue, 04 Sep 2018 16:58:01 GMT

OP—As previously stated, yes, your scores will be mildly effected just like with any HP. However, if you apply for a CC and are denied for excessive inquiries, a recon with a manual review will show it wasn’t “credit seeking” behavior, rather typical necessary HP when moving to a new area with utility providers you haven’t done business with before. Same thing happened to me virtually every Military move I made every 2-3 years. Just as one batch of HPs were falling off, a new batch appeared with my move. Frustrating yes, impact minimal/negligible.