hard pull 30天内不管多少次，都算一次的？# Money - 海外理财
L*G
1 楼
上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
再去查，都不会再影响了，是这样的吗？
谢谢。
再去查，都不会再影响了，是这样的吗？
谢谢。
c*7
2 楼
从没听说过这回事
lender
【在 L******G 的大作中提到】
: 上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
: 再去查，都不会再影响了，是这样的吗？
: 谢谢。
lender
【在 L******G 的大作中提到】
: 上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
: 再去查，都不会再影响了，是这样的吗？
: 谢谢。
z*1
3 楼
好像如果是贷款买车买房之类的,多个hard pulls会被合并
信用卡申请肯定不会
lender
【在 L******G 的大作中提到】
: 上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
: 再去查，都不会再影响了，是这样的吗？
: 谢谢。
信用卡申请肯定不会
lender
【在 L******G 的大作中提到】
: 上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
: 再去查，都不会再影响了，是这样的吗？
: 谢谢。
g*w
4 楼
摘自wikipedia: Recent searches for credit—hard credit inquiries, which
occur when consumers apply for a credit card or loan (revolving or otherwise
), can hurt scores, especially if done in great numbers; often three to five
points per inquiry. Individuals "rate shopping" for a mortgage or auto loan
over a short period (a fortnight or 45 days, depending on whether old FICO
or FICO 08 are used) will likely not experience a large decrease in their
scores as a result of these types of inquiries, as automated computer
algorithms attempt to detect when a consumer is rate shopping (and not
attempting to receive many new lines of credit), and roll all of the hard
inquiries into one; this can often take several months, and isn't always
effective, although a consumer who believes he or she has received many hard
inquiries on their report while searching for one loan (where the automated
system has failed to detect it as such) can dispute these with the credit
bureau in question.
occur when consumers apply for a credit card or loan (revolving or otherwise
), can hurt scores, especially if done in great numbers; often three to five
points per inquiry. Individuals "rate shopping" for a mortgage or auto loan
over a short period (a fortnight or 45 days, depending on whether old FICO
or FICO 08 are used) will likely not experience a large decrease in their
scores as a result of these types of inquiries, as automated computer
algorithms attempt to detect when a consumer is rate shopping (and not
attempting to receive many new lines of credit), and roll all of the hard
inquiries into one; this can often take several months, and isn't always
effective, although a consumer who believes he or she has received many hard
inquiries on their report while searching for one loan (where the automated
system has failed to detect it as such) can dispute these with the credit
bureau in question.
s*g
5 楼
it depends
你这种零散的可能不会合并？因为需要信用机构detect到你的行为模式啊
lender
【在 L******G 的大作中提到】
: 上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
: 再去查，都不会再影响了，是这样的吗？
: 谢谢。
你这种零散的可能不会合并？因为需要信用机构detect到你的行为模式啊
lender
【在 L******G 的大作中提到】
: 上周，一个lender做了一次hard pull，查了credit score，如果30天内，别的lender
: 再去查，都不会再影响了，是这样的吗？
: 谢谢。
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