Hard Pull Effects On Credit Profile

CDmanFL
CDmanFL   |     |   8 posts since 2019

Can anyone share their wisdom about how much damage a hard pull has on one’s credit score and for how long the hard pull stays on one’s credit profile? And does a soft pull have any effect at all?



Answers
garyh1961
garyh1961   |     |   241 posts since 2017
Mine took a 20 point drop on hard pull for 4 months. Nothing on soft pull. 20 points in nothing if your in 820 range already.
newuser11
newuser11   |     |   13 posts since 2019
I think the pull stays for a year. Hard to say exactly but for me, coming from no hard pulls or inquiries in the prior year, mine dropped about 5-10 points from it. Also coming from 820-825.

It might be more if you are on your 2nd, 3rd or 4th within the last year.

Mine recently dropped off and my score is back to where it was a year ago.


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