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hard pull inquiries

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cmbr
Established Member

hard pull inquiries

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?

Message 1 of 11
10 REPLIES 10
OmarGB9
Community Leader
Super Contributor

Re: hard pull inquiries

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


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 11
cmbr
Established Member

Re: hard pull inquiries

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

Message 3 of 11
OmarGB9
Community Leader
Super Contributor

Re: hard pull inquiries

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


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 11
cmbr
Established Member

Re: hard pull inquiries

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

Message 5 of 11
OmarGB9
Community Leader
Super Contributor

Re: hard pull inquiries

Where are you getting your reports from? 


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 6 of 11
cmbr
Established Member

Re: hard pull inquiries

From Equifax site

Message 7 of 11
Who_wuda_thought
Frequent Contributor

Re: hard pull inquiries

@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.

Scores as of April 4, 2024:





Message 8 of 11
OmarGB9
Community Leader
Super Contributor

Re: hard pull inquiries


@cmbr wrote:

From Equifax site


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.


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 9 of 11
GZG
Valued Contributor

Re: hard pull inquiries

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

 


@OmarGB9 wrote:

@cmbr wrote:

From Equifax site


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.


 

Starting FICO 8:

Current FICO 8:

3/6, 5/12, 14/24

Message 10 of 11
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