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Hard Pull Question


Hard Pull Question

Good afternoon forum,


I had a quick question, when a lender pulls your report is this a snapshot of your report at that moment or a snapshot of the most recent reporting?


Thanks in advance!

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Moderator Emeritus

Re: Hard Pull Question

It's a snapshot of what's on your CR at that particular time.  They can only supply info that has been sent to them.  If a creditor hasn't furnished the info, they won't be able to post it.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
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