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  1. 12-08-2006, 09:48 PM #1
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    Greg
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    Default Credit Inquiry - Hard Pull and Soft Pull

    When someone inquires on your credit report it is possible that it can affect your score adversly. A hard pull is when you apply for credit with a lender, insurance company, or any other 3rd party.

    A soft pull is when you pull your own credit. Inquiries like this should not affect your score. A good site to use for this is myfico.com or freecreditreport.com
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  2. 12-21-2006, 02:55 PM #2
    Crafty Mom
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    This is good to know. I used to shop around for loans a lot and would let everyone I talked to pull my credit score. Nobody told me about it hurting my score until one nice loan officer finally did.

    Now if I ever have to shop around again I just tell them what my score is and see what they have to offer.
    “You are the same today that you are going to be in five years from now except for two things: the people with whom you associate and the books you read.” -- Charles Jones
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  3. 12-21-2006, 03:09 PM #3
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    Greg
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    Yes. Sometimes loan officers are in it for the money only and do not tell you things they might feel would hurt their opportunity.

    So I am glad this helped you understand things better.
    Greg Phillips
    Manager
    Fairfield Mortgage Company
    "I can lend in 50 states"
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  4. 12-21-2006, 03:16 PM #4
    Crafty Mom
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    Wow, that was fast! Oh, you are a loan officer I see. You must be one of the good guys.
    “You are the same today that you are going to be in five years from now except for two things: the people with whom you associate and the books you read.” -- Charles Jones
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  5. 02-15-2007, 08:58 PM #5
    nola
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    How do you pull your own credit?
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