Which score does the CC consider?

[Anonymous]

If a credit card company pulls your score and the inquiry lowers your score, does the company use your higher score or your lower score?

[Anonymous]

They use the score they pulled.... Their inquiry wouldn't be added until after the pull anyway.

[CreditDunce]

The score they pull is from before the INQ hit.  The only exception I can think of is if you recon and they HP you again.  The second HP will show your score with the first HP included.

[Anonymous]

Thanks for the responses. I thought so but just wanted to be sure. This forum is great.