hard pull inquiries

[cmbr]

Hi,

I apply for chevron on March , 2022. I get denied and didn't apply for it anymore.

Today I notice on my equifax credit report , that chrevron/Sychronny bank did a hard pull on my credit from Mar to May for consecutive days.

Is that normal from a lender?

[OmarGB9]

Are you saying they've been doing a HP every day for 3 months?

[cmbr]

Yes , Until May 11. what's that mean?

[OmarGB9]

Are you sure these are HPs? Can you provide a screenshot of your reports?

[cmbr]

its on inquiries section. How I know if is soft and hp?

[OmarGB9]

Where are you getting your reports from? 

[cmbr]

From Equifax site

[Who_wuda_thought]

@cmbr 

If you are looking at an actual credit report from Equifax, there are 2 sections under "Inquiries".  First section is titled "Hard Inquiries".  Then, below that is the second section titled "Soft Inquiries".

Note that every time you attempt a pre-approval/pre-qualification app, even if you do not submit for approval, it will register a "soft inquiry" for the bureau used.  Those soft inquiries do not affect your actual credit scores.  Only Hard Inquiries affect scores.

[OmarGB9]

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@cmbr wrote:

From Equifax site

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Hmm. I'm not familiar with their site interface. But usually SPs don't show up on monitoring sites. So I would assume those are HPs, which should NOT be showing up every day for months. I'd contact Synchrony and ask them to remove all of those inquiries.

[GZG]

In MyEquifax, it would be pretty clear which section the inquries are under.

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@OmarGB9 wrote:

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@cmbr wrote:

From Equifax site

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Hmm. I'm not familiar with their site interface. But usually SPs don't show up on monitoring sites. So I would assume those are HPs, which should NOT be showing up every day for months. I'd contact Synchrony and ask them to remove all of those inquiries.

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