Hard Pulls - "real-time" or delayed like most of us get?

[Anonymous]

One quick question I've never seen asked and answered - a question I do think most people on here have at least wondered about.

How up-to-date is a hard-pull when I apply for new unsecured credit in general?  Say, I just paid all of my accounts to a zero balance after carrying a (for example) 50'ish% utilization for months?  OR - say I just went on an app spree over the last 3 days and had 10 hard-pulls over that 72 hour period....

Just how much of that do potential credit grantors see during that type of app spree?  Again, just curious.

Again... just gonna hang up and listen...

[Anonymous]

My understanding is this:

Regarding the utilization question, until your banks make their monthly updates these balances will still show to anyone looking at your credit report.

Regarding the Hard Pull question, each hard pull will most likely show up on the subsequent pull. Maybe there is a timing thing where you could hit apply across several windows at the same time, but practically speaking I belive the inquiries are placed almost immediately.

[Anonymous]

AirTroop, I'm a bit confused as to your question... from your thread title it seems like you want to know how quickly a HP can be seen on your CR [after it takes place] by a potential lender, but then you mention utilization as well, which is completely unrelated.  Utilization changes only happen once per month generally speaking following your statement date and your creditor(s) report your new statement balance to the bureaus.  Inquiries are essentially instant.  This means if you take a HP at noon on Wednesday and then a couple of hours later apply for another credit product from a different creditor, the different creditor would more than likely see the inquiry from a few hours earlier, assuming they pulled the same bureau.

[HeavenOhio]

The hard pull for my AMEX application showed up before I had finished the application process. And when I requested a Chase CLI, the pulls showed up before I got off the phone.

[Anonymous]

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@Anonymous wrote:

AirTroop, I'm a bit confused as to your question... from your thread title it seems like you want to know how quickly a HP can be seen on your CR [after it takes place] by a potential lender, but then you mention utilization as well, which is completely unrelated.  Utilization changes only happen once per month generally speaking following your statement date and your creditor(s) report your new statement balance to the bureaus.  Inquiries are essentially instant.  This means if you take a HP at noon on Wednesday and then a couple of hours later apply for another credit product from a different creditor, the different creditor would more than likely see the inquiry from a few hours earlier, assuming they pulled the same bureau.

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It was a poorly worded post and title...I was drukn blogging.  Which says a lot about you being able to decipher it and answer it (along with the other posters) exactly to my liking.  Thank you!