How many Hard Pulls do you have on your CR's?

[BluePoodle]

Keeping track of Hard Pulls is a bear! LOL

No really, I just got copies of my FreeAnnualReports and then needed to see where my May App Spree plus the CP for the summer Apartment and Renters Insurance were pulled.  Well between Credit Karma, ProtectMyID and ScoreWatch, I think I found all 3 CRA.  Apparently the renters insurance company didn't pull a report. Maybe it will show up as a soft pull, so that was great!

Out of a two year history, how many HP's do you have?

Mine are;

TU - 3 ( 2 under 12 Months)

EX - 4 ( 1 under 12 months and 2 dropping off at the end of 2014)

EQ - 7 ( 3 under 12 months and 2 dropping off at the end of 2014)

Sorry MOD's that I posted in the incorrect Board 

[Amarie003]

I swear I have about 10 on each! I've signed as a guarantor on a few things this year, along with a few personal inquiries I made. I believe about 4 will fall off in April 2015. I have never heard of insurance running credit for renter's though. That is new to me.  

[pip3man]

My inquries in 2 years:

EX - 9 (all 9 from this month 05/2014)

EQ - 4 (3 from 05/2014 and 1 from 07/2013)

TU - 5 (according to CK but I know it's a lil more prolly like 7 and all from April & May 2014)

[leegreen]

I just made a spreadsheet to track this...I have a ton...14 total over two months just for my mortgage last feb-apr...Got in a car accident this March and ended up with 10 HP's for that (although I got 72months @ 3.34% on a off lease car)...and then there has been this spring's CLI and app spree (went from total revolving CL of 13.5k to 63.85k in about 6 weeks).  Here are the totals...I have to garden now....

CB/ 0-6mo/ 6mo-1yr/ 1yr-2yr/ total

TU/  4/           0/             6/          10

EQ/ 12/         2/             14/        28

EX/   8/          0/              5/         13

[mongstradamus]

Experian-9 eq-4 TU-8. Way too many 😢

[BluePoodle]

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@leegreen wrote:

@I just made a spreadsheet to track this...I have a ton...14 total over two months just for my mortgage last feb-apr...Got in a car accident this March and ended up with 10 HP's for that (although I got 72months @ 3.34% on a off lease car)...and then there has been this spring's CLI and app spree (went from total revolving CL of 13.5k to 63.85k in about 6 weeks).  Here are the totals...I have to garden now....

CB/ 0-6mo/ 6mo-1yr/ 1yr-2yr/ total

TU/  4/           0/             6/          10

EQ/ 12/         2/             14/        28

EX/   8/          0/              5/         13

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Mortgage and Auto loans seem to be the killer for HP inquiries. 

[EW800]

My HP's are:

TU - 1

EQ - 0

EX - 0

[Bman70]

So how do you count total hp - the CRAs duplicate each other right? Like my old mortgage pulls show up on EQ and TU, but 2 pulls each doesn't mean I have 4? They're the same pulls.

[BluePoodle]

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@EW800 wrote:

My HP's are:

TU - 1

EQ - 0

EX - 0

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Wow, great gardening!!!

[myjourney]

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@Bman70 wrote:

So how do you count total hp - the CRAs duplicate each other right?  No each CB is different 

Like my old mortgage pulls show up on EQ and TU, but 2 pulls each doesn't mean I have 4? They're the same pulls.

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So each should be counted differently / independently