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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
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
Community Leader
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 12/14, well along in rebuilding credit. FICO 5/1/18:TU 664/EX 697/EQ 695 FICO 8 or 696 FICO 9 (Penfed 4/10/18), VS 3.0 4/17/18: TU 713/EX 709/EQ 708. $71,800 revolving credit as of 3/23/18; $4000 Walmart Store Card, $4500 Discover It, $5000 Discover It #2 (new 3/12), $6000 Cap One Quicksilver MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $7300 Overstock Store Card, $10K Cap One QS Rewards Visa Signature, $15K Care Credit, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Resetting the garden clock from 3/12/18...
Message 4 of 12
Community Leader
Super 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

To obtain Credit One Kenobi status upon 0/24 is to Garden Harden!!
Message 5 of 12
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?



Equifax - 640
TransUnion - 673
Experian - 665
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
Valued Contributor

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.


TU FICO 8: 745 (1/18) — Ex FICO 8: 738 (1/18)
Message 9 of 12
Valued 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.
>5/2018 CCT EX 821 TU 834 EQ 820
You are only young once, but you can be immature forever
Message 10 of 12