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Soft pull vs. Hard pull?


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Soft pulls are only what YOU see and have no significance in what your credit score is. A Hard pull is one your creditor sees and affects credit scoring. These are required by law to remain on your credit report for no longer than 2 years. If you owe a CA, they like to do Hard pulls on your account to see what your financial picture looks like. If you have an established account with a CC company, they usually do soft pulls for that. It is reasoned that CAs like to do hard pulls frequently in essence to punish the consumer for their failure to pay their debts. You should be able to find all kinds of information on this if you do a search.

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