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Glossary and terms about credit cardsHome » Credit Card Glossary
Hard Pull
Hard pull is a credit scoring term. It describes when a consumer has applied for a loan. The potential lender checks the consumer's credit report, which creates a small negative impact on the consumer's credit score. An occasional hard pull, or a quick burst of hard pulls, has little impact on credit scores; the credit scoring formulas recognize routine loan shopping. What hurts a credit score most are multiple hard pulls over a long period. A hard pull is also known as a "hard inquiry."