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Opening RCA Account - Hard Pull Or Soft Inquiry ?

Saturday, January 8, 2011 - 11:05 AMAtlantic Coast Bank - Details
Does the bank do a hard credit pull on the applicants credit report while applying for the account ?

Asnybody who has opened an account in the past with them please let us know
recklessmaxrecklessmax12 posts since
Oct 18, 2010
Rep Points: 27
1. Friday, February 11, 2011 - 8:41 AM
Don't know about this particular bank; but, mostly all banks do a hard pull with ChexSystems.  In addition to obtaining a ChexSystems report, some banks (in particular, credit unions) also may do a hard pull with one the 3 major CRAs.  The best thing to do is to call the bank and find out who they run a credit check with.  Keep in mind, however, that not all CSRs know the difference between a hard pull and a soft pull.
WhataBummerWhataBummer413 posts since
Oct 15, 2010
Rep Points: 1,702