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hard pull vs. soft pull

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A 'hard pull' is one that everybody who looks at your CR will see. It stays on your report for 2 years. 99% of the time its from applying for a credit card/loan. Hard pulls also lower your credit score about 2 points a pull.

A 'soft pull' is one that only you see. They stay on your report for 2 years. Usually they are account reviews, promotional offers, etc.

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