topic Re: hard pull inquiries in General Credit Topics

hard pull inquiries

cmbr — Sun, 07 Aug 2022 19:04:16 GMT

Hi,

I apply for chevron on March , 2022. I get denied and didn't apply for it anymore.

Today I notice on my equifax credit report , that chrevron/Sychronny bank did a hard pull on my credit from Mar to May for consecutive days.

Is that normal from a lender?

Re: hard pull inquiries

OmarGB9 — Sun, 07 Aug 2022 20:12:03 GMT

Are you saying they've been doing a HP every day for 3 months?

Re: hard pull inquiries

cmbr — Sun, 07 Aug 2022 21:53:12 GMT

Yes , Until May 11. what's that mean?

Re: hard pull inquiries

OmarGB9 — Sun, 07 Aug 2022 22:20:41 GMT

Are you sure these are HPs? Can you provide a screenshot of your reports?

Re: hard pull inquiries

cmbr — Sun, 07 Aug 2022 22:23:48 GMT

its on inquiries section. How I know if is soft and hp?

Re: hard pull inquiries

OmarGB9 — Sun, 07 Aug 2022 22:27:27 GMT

Where are you getting your reports from?

Re: hard pull inquiries

cmbr — Sun, 07 Aug 2022 22:29:01 GMT

From Equifax site

Re: hard pull inquiries

Who_wuda_thought — Sun, 07 Aug 2022 22:49:47 GMT

@cmbr

If you are looking at an actual credit report from Equifax, there are 2 sections under "Inquiries". First section is titled "Hard Inquiries". Then, below that is the second section titled "Soft Inquiries".

Note that every time you attempt a pre-approval/pre-qualification app, even if you do not submit for approval, it will register a "soft inquiry" for the bureau used. Those soft inquiries do not affect your actual credit scores. Only Hard Inquiries affect scores.

Re: hard pull inquiries

OmarGB9 — Sun, 07 Aug 2022 22:52:09 GMT

@cmbr wrote:
From Equifax site

Hmm. I'm not familiar with their site interface. But usually SPs don't show up on monitoring sites. So I would assume those are HPs, which should NOT be showing up every day for months. I'd contact Synchrony and ask them to remove all of those inquiries.

Re: hard pull inquiries

GZG — Mon, 08 Aug 2022 01:08:08 GMT

In MyEquifax, it would be pretty clear which section the inquries are under.

@OmarGB9 wrote:
@cmbr wrote:
From Equifax site
Hmm. I'm not familiar with their site interface. But usually SPs don't show up on monitoring sites. So I would assume those are HPs, which should NOT be showing up every day for months. I'd contact Synchrony and ask them to remove all of those inquiries.

Re: hard pull inquiries

OmarGB9 — Mon, 08 Aug 2022 01:21:06 GMT

@GZG wrote:

In MyEquifax, it would be pretty clear which section the inquries are under.

@OmarGB9 wrote:
@cmbr wrote:
From Equifax site
Hmm. I'm not familiar with their site interface. But usually SPs don't show up on monitoring sites. So I would assume those are HPs, which should NOT be showing up every day for months. I'd contact Synchrony and ask them to remove all of those inquiries.

Ah okay. Well then yes, it should be pretty self explanatory.