Cheddar wrote:
Hard pulls appear on your reports for two years for anyone who views them, and they can hurt your score for one year from the date of the inquiry.
Soft pulls only appear to you when you pull your own reports (not potential creditors), and they don't affect your score at all.
Some CCCs pull hard inquiries for CLI (Chase), some pull soft (Amex), some may pull hard or soft (Citi), and some don't pull at all (Cap1).
Thx Cheddar.
