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Hard pull increased score?

Bronk33
Established Member

Hard pull increased score?

Just had a hard pull on my experian and it raised my score 6 points. 
I'm not complaining, just thought it was odd. 

Has this happened to anyone else?

Starting Score: 545
Current Score:690
Goal Score: 800


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Message 1 of 11
10 REPLIES 10
Brian_Earl_Spilner
Community Leader
Mega Contributor

Re: Hard pull increased score?

A hard pull will never raise your score. Something unrelated raised your score. Utilization went down, age of account, etc.




Message 2 of 11
OmarGB9
Community Leader
Super Contributor

Re: Hard pull increased score?


@Brian_Earl_Spilner wrote:

A hard pull will never raise your score. Something unrelated raised your score. Utilization went down, age of account, etc.


+1. The HP may have triggered a report update, but that itself would definitely NOT cause an increase in any scenario. As Brian said, it was something else such as utilization drop, credit file aging, accounts aging, etc.


Last App: 04/05/2021
Penfed Signature Loan

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 3 of 11
BrutalBodyShots
Super Contributor

Re: Hard pull increased score?


@Bronk33 wrote:

Just had a hard pull on my experian and it raised my score 6 points. 


Did you receive an alert to the HP and were provided with a score at that time that was +6?  Was this through MF?

 

I haven't really been around the forum thus far in 2020, but it sounds like the same problem with alerts being unrelated to score changes is still a thing?  Quite disappointing that we're still misleading members after all this time, I must say.

Message 4 of 11
SouthJamaica
Super Contributor

Re: Hard pull increased score?


@Bronk33 wrote:

Just had a hard pull on my experian and it raised my score 6 points. 
I'm not complaining, just thought it was odd. 

Has this happened to anyone else?


No, the inquiry did not cause a score increase.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 742 EX 713

Message 5 of 11
SouthJamaica
Super Contributor

Re: Hard pull increased score?


@BrutalBodyShots wrote:

@Bronk33 wrote:

Just had a hard pull on my experian and it raised my score 6 points. 


Did you receive an alert to the HP and were provided with a score at that time that was +6?  Was this through MF?

 

I haven't really been around the forum thus far in 2020, but it sounds like the same problem with alerts being unrelated to score changes is still a thing?  Quite disappointing that we're still misleading members after all this time, I must say.


Yes. Regrettably it's still a thing.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 742 EX 713

Message 6 of 11
Bank007
Frequent Contributor

Re: Hard pull increased score?

 


@Bronk33 wrote:

Just had a hard pull on my experian and it raised my score 6 points. 
I'm not complaining, just thought it was odd. 

Has this happened to anyone else?


Never happened to me, and we are certain it hasn't happened to you - although it would be nice.  You score bump is a result of something other than a "hard pull", my friend.

Starting Score: 550
Current Score: 652
Goal Score: 670


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Message 7 of 11
Bronk33
Established Member

Re: Hard pull increased score?

70C60439-F541-4C32-A4F2-E985C762D496.png

Nothing else has changed. Nothing changed from other CRAs. 

Starting Score: 545
Current Score:690
Goal Score: 800


Take the myFICO Fitness Challenge
Message 8 of 11
SouthJamaica
Super Contributor

Re: Hard pull increased score?


@Bronk33 wrote:

70C60439-F541-4C32-A4F2-E985C762D496.png

Nothing else has changed. Nothing changed from other CRAs. 


You don't know that. From that alert you don't even know (a) what date the score changed or (b) what date the inquiry reported. If you knew both of those dates, you would have to compare the full Experian reports from each date. And then and only then would you have any idea as to why your score increased.

 

If you subscribe to experian.com credit monitoring, you can make that kind of investigation. If not, you're out of luck.


Total revolving limits 663000 (585000 reporting) FICO 8: EQ 716 TU 742 EX 713

Message 9 of 11
AzCreditGuy
Frequent Contributor

Re: Hard pull increased score?

Stay away from Credit One if thats where you got the HP from, you are better off getting secured cards from banks and or applying with Cap 1. Credit One is shady af 

Message 10 of 11
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