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Do hard pulls show up on credit report immediately?

Member

Do hard pulls show up on credit report immediately?

When people do several apps in a short period of time, how long before the pulls are visible to new apps? 

7/17: EX 750, TU 741, EQ 716
AAoA = 12.7yrs (Exp), 13.6 years (TU/Eq)

Message 1 of 12
11 REPLIES 11
Established Contributor

Re: Do hard pulls show up on credit report immediately?

Mine popped up the day after and the day after that.

Depends on what service you use.

I use CCT and they are usually quicker than MyFico
Message 2 of 12
Super Contributor

Re: Do hard pulls show up on credit report immediately?

It depends on the company you applied with.  Some show up immediately and some don't until a few days.  

Message 3 of 12
Valued Contributor

Re: Do hard pulls show up on credit report immediately?

For me, HP's have generally shown up within one to several days of their being made.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 4 of 12
Community Leader
Mega Contributor

Re: Do hard pulls show up on credit report immediately?

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 buggersSmiley Wink
Message 5 of 12
Established Contributor

Re: Do hard pulls show up on credit report immediately?


@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 buggersSmiley Wink

Question, do lenders have to report a hard pull?




FICOBeginning (6/2017)Current
Equifax636707
Transunion627725
Experian623726
Message 6 of 12
Valued Contributor

Re: Do hard pulls show up on credit report immediately?

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.

Message 7 of 12
Valued Contributor

Re: Do hard pulls show up on credit report immediately?

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.

Message 8 of 12
Anonymous
Not applicable

Re: Do hard pulls show up on credit report immediately?


@oldman87 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.

Message 9 of 12
Super Contributor

Re: Do hard pulls show up on credit report immediately?

CreditWise is TU


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 10 of 12
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