Can anyone describe me what is soft/hard pull? If I see my credit inquiries on my Experian, Are those "Hard Pull"? How Hard pull is bad for you? Because I checked mine, and all the pull are my recent request: Loan for a car, Credit Card increase, establishing business and etc. I am currently doing Mongrol Tricks on Experian, and I am not sure if it works or not. But, the trick is do able, So we have to see from there. And, I am trying to do PG trick. It works until the last step("8"). Can anyone give me pointers? And what is "b" stands for?? Thank you!!!
Looking at the CRAs reports it may be harder to tell which inquiries are which... If you obtain a combined 3-in-1 report, only hard inq's are shown. If a report does distinquish between them, softs are usually labeled similar to "inquiries seen only by you". Inquiries can have an up to 10 point cost, depending on how long it was since the last inquiry before. So if you had no inquiries in the past 6-12 months, you will probably notice close to a 10 point hit, if you've had other inquiries you may notice a hit of around 5 points or less...
I have 3 report side by side now...and I can see that my recent loan for auto only reported in 1 of experian. This boose up my score 50 pts by getting it approved. Would this be reported to other credit bureau eventually? if not, how can I request for TU and Equifax to rate it? Thks!
B=BUMP In the forum, bump a post back to the top, more than likely either because a new or unanswered question, or because it is relevant to another posts question. In the credit reports, trying to *BUMP* off hard inquiries from your credit report.
Depending on how recent the account was... If you just closed the first 'billing cycle' usually... EX updates first either on the day of, or the day after the billing cycle. EQ updates second, usually a day or two after EX. TU updates third, possibly as late as a week after EX, or even longer. Not all companies report to all three CRAs though, so your company may be one which only reports to EX...
