I open a new checking account with Bank of America in March and checked my credit report a few days ago and saw a hard pull. I have never had a hard pull for opening a checking account in the past. I opened a Wamu/Chase account last November without a hrad pull. I opened new accounts b/c my old accounts are regional banks and living in a new city I don't want to be paying ATM fees, etc... B of A and Chase are the 2 closest branches and they have plenty of ATM's in Chicago.
Will this hard pull seem like a denied credit in my FICO since checking acounts obviously aren't shown on your credit report?
I'm afraid this will look like an inquiry without a new account being opened and seem like a denial. If I knew itthis was a hard pull then I would have applied for a CC too at the same time.
Many banks will do a hard pull. It will show as an ing. but it will not hurt you just because there will not be a new TL reporting.