M******f
发帖数: 179 | |
d****y
发帖数: 910 | 2 http://www.google.com/search?q=Hard+Pull+vs+Soft+Pull&ie=utf-8&
这个问题不太难。如果这点E文都不愿意去肯，还是别混了。
【在 M******f 的大作中提到】
: 借宝地问一下，关于信用记录的。谢谢啦
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M******f
发帖数: 179 | |
M******f
发帖数: 179 | 4 On a credit report, when a third party looks at your credit score, this is
called an inquiry. All inquiries, however, are not created equal. Some hurt
your credit score, and some do not. An inquiry known as a soft inquiry does
not affect your credit report, but a hard pull does.
Soft inquiry
A soft inquiry, or soft pull, is a term used to refer to an inquiry into
your credit history that does not adversely affect the credit score. Often,
you are not even aware that there has been a soft inquiry on your credit
report. For example, if you receive a solicitation in the mail offering you
a credit card, the credit card company has most likely conducted a soft pull
to see if you qualify. When mortgage lenders pre-approve you for a loan,
they initially use a soft pull. Potential employers use it as a part of
background checks, and your current credit card companies use soft inquiries
to check up on you. Banks use them to verify that you are who you say you
are when opening an account. If you check your own credit report, which you
can do for free once a year, this is done with a soft pull. Most of the time
, you do not even know when they occur, and they do not affect your credit
report.
Hard pull
A hard pull on a credit report is different. It does affect your credit
score. Anytime that you are actually getting a loan or a new credit card,
the lender conducts a hard pull on your credit report. This stays on the
record. It also lowers your credit score by about five points for six months
. For this reason, it is important to guard your credit report from too many
hard pulls. If you get a store credit card just to save 10 percent on a
single purchase, you have hurt your credit score. That is probably not worth
the 10 percent savings. Some banks even use a hard pull if you are opening
a savings account, so be sure to check your potential bank’s policy.
Additionally, the incentives that credit card companies offer for signing up
may not be worth the hit to your credit score.
A good rule of thumb for your credit report is to try to avoid any inquiries
that are considered hard pulls. By limiting them your credit will be in
good shape and you can qualify for the best interest rate available to you
when it comes time for you to apply for a loan that you truly need. |
z**i
发帖数: 5276 | 5 就是形容某些初哥不懂怜香惜玉,硬来的意思.
包子
【在 M******f 的大作中提到】
: 借宝地问一下，关于信用记录的。谢谢啦
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d****y
发帖数: 910 | 6 不错。赞一个
【在 M******f 的大作中提到】
: 不混怎么办？
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p*******p
发帖数: 13670 | 7 硬拉
【在 M******f 的大作中提到】
: 借宝地问一下，关于信用记录的。谢谢啦
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z**i
发帖数: 5276 | 8 恩,也是一种健身房用语
【在 p*******p 的大作中提到】
: 硬拉
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F*J
发帖数: 333 | 9 re haha
【在 z**i 的大作中提到】
: 就是形容某些初哥不懂怜香惜玉,硬来的意思.
: 包子
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b*****t
发帖数: 3396 | 10 It's deadlift!-_-~
【在 p*******p 的大作中提到】
: 硬拉
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D****9
发帖数: 10889 | 11 使劲地拉出来
【在 M******f 的大作中提到】
: 借宝地问一下，关于信用记录的。谢谢啦
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j****1
发帖数: 4504 | |
D***a
发帖数: 1616 | 13
bian mi
【在 D****9 的大作中提到】
: 使劲地拉出来
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p***e
发帖数: 7463 | 14 会脱钢的。。。。。
【在 D****9 的大作中提到】
: 使劲地拉出来
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m*****s
发帖数: 1402 | |
R********0
发帖数: 4134 | |
