Hard Inquiries

[DUISlayer]

A friend of mine opened a Target account last month. It's showing a hard inquiry with EQ. I thought I remember reading something about of the account was approved and opened, the hard inquiry shouldn't display. Is this accurate? Thanks.

[Anonymous]

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@mistaritalian wrote:

A friend of mine opened a Target account last month. It's showing a hard inquiry with EQ. I thought I remember reading something about of the account was approved and opened, the hard inquiry shouldn't display. Is this accurate? Thanks.

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That is incorrect, anytime a lender pulls your report a hard inquiry is listed on your report/s weather or not you were approved or declined the credit.

The hard inquiry will remain on your report/s for 2 years but will only negatively affect your score for one year.