@SoCalMama wrote:
You can have two pulls in three years, after that it becomes a problem.
You're right. I just edited my post.@1cent wrote:
@SoCalMama wrote:
You can have two pulls in three years, after that it becomes a problem.
Except they’re only reported for two years.
@SoCalMama wrote:
You're right. I just edited my post.@1cent wrote:
@SoCalMama wrote:
You can have two pulls in three years, after that it becomes a problem.
Except they’re only reported for two years.
I leased a car and had two pulls in an hour. One by the sales guy. One by finance. I will not be buying or leasing there again. I did not notice it until a few months later. It was annoying because I bought two cars that weekend and had 3 credit pulls for 2 years on my report.
They fell off in December 2019, so I'm good now. I bought two cars over a weekend in December 2017. One for me and one for my teenager.@JustForFun wrote:
@SoCalMama wrote:
You're right. I just edited my post.@1cent wrote:
@SoCalMama wrote:
You can have two pulls in three years, after that it becomes a problem.
Except they’re only reported for two years.
I leased a car and had two pulls in an hour. One by the sales guy. One by finance. I will not be buying or leasing there again. I did not notice it until a few months later. It was annoying because I bought two cars that weekend and had 3 credit pulls for 2 years on my report.
You could dispute the extraneous hard pull as you did not authorize it. Pretty much a slam dunk to get it removed but you may have to be persistent.
@nixkit wrote:
It took me quite a few years to come to this conclusion - but a credit score is used TO GET CREDIT. As long as it is high enough to get whatever loans or credit cards you apply for, the number is effectively irrelevant. I've never really worried about applying for loans/cards impact on my score and it has hovered my entire adult life between 780-820. Never had a loan or credit card application denied and really, that's all that matters.
@SoCalMama wrote:
You can have two pulls in two years, after that it becomes a problem.
(edited because it is 2 years, not 3)
@SoCalMama wrote:
You can have two pulls in two years, after that it becomes a problem.
(edited because it is 2 years, not 3)
@JASFLALMT wrote:
I have been told by several bankers that once your score goes above 780 it's all about the same when it comes to your credit worthiness.
@JustForFun wrote:
You could dispute the extraneous hard pull as you did not authorize it. Pretty much a slam dunk to get it removed but you may have to be persistent.
@SoCalMama wrote:
Your loan rate is based on your score.
You'll get accepted, but you won't get the best rate.
That's the difference.
@bgriffin wrote:
@JASFLALMT wrote:
I have been told by several bankers that once your score goes above 780 it's all about the same when it comes to your credit worthiness.
It's my understanding 780 is a bit high for that. Most lenders have no difference in terms for anything above 740, some use 760, 780 is rare.