Why is that?
Elizabeth Belyeu
32

Hard pulls are done at the express request of a person applying for some sort of financial product or service. Soft pulls are done generally when people like marketers are trying to gauge creditworthiness when they send you unsolicited offers of financial products/services. One hard pull is not gonna drag your score down very much, but multiple hard pulls are a red flag for credit reporting agencies because they automatically assume you’re trying to load up on a lot of debt (which hurts creditworthiness).

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