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When people do several apps in a short period of time, how long before the pulls are visible to new apps?
It depends on the company you applied with. Some show up immediately and some don't until a few days.
For me, HP's have generally shown up within one to several days of their being made.
@AverageJoesCredit wrote:
Yes agree with everyone, all depends on lender . Some can be super quick others lagging but usually there is nowhere for your report to hide from those little buggers
Question, do lenders have to report a hard pull?
I don't think lenders has anything to do with when HPs gets reported, it has to do with which CBs the lenders pull from. EX and EQ has always been pretty much immediate for me, often within the same hour (I have subscriptions with all three CBs), TU on the other hand can take a few days to show up like everything else with TU.
Let me clarified my previous post, EX and EQ will send alerts immediately but the HP probably will not be added to their reports until they update at about 3AM every night. In other words, multiple HPs within the same day (before 3AM) will not show up until the next day's report therefore the lenders might not know about each other's hard pulls.
@Anonymous wrote:I don't think lenders has anything to do with when HPs gets reported, it has to do with which CBs the lenders pull from. EX and EQ has always been pretty much immediate for me, often within the same hour (I have subscriptions with all three CBs), TU on the other hand can take a few days to show up like everything else with TU.
I've gotten monitoring alerts from Cap1 CreditWise same day... Statements take a while to show up though.
CreditWise is TU