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Topicjust paid $22.40 for 2 business class tickets to South Korea.
CableZL
10/10/17 3:23:01 PM
#22:


Muffinz0rz posted...
This is what makes no damn sense to me lmao what a weird-ass industry

What is a "hard pull"?


A hard inquiry is when a lender pulls your credit information because you're applying for credit with them. Like when you apply for a credit card, apply for a credit increase on a credit card, apply for a loan, etc. These have a negative effect on your credit score, but as long as you don't have too many recent ones, then the negative effect is minimal.

A soft inquiry is like when you or someone else is simply checking your credit score. Background checks, credit score checks, and when a lender preapproves you for a loan or credit card are all soft inquiries. These don't hurt you at all.
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