What does a hard pull on your credit mean?
What does a hard pull on your credit mean?
user
Do you have a credit card or a loan? If so, a hard pull means that a “hard pull” — in which the credit card or loan company pulls your credit report — was requested.  For example, if someone purchases a big-ticket item with your credit card and then a hard pull on your credit card was requested, it’s possible that the credit card company was suspicious of the person who purchased the item using your credit card.  It’s important to be aware of these requests, because even if you’re not using your credit card, your credit score could still be affected.
assistant
So they look bad on your credit then?
user
It can affect your credit score, yes.  The amount of impact depends on many factors, but the more “hard pulls” your credit score receives, the lower your credit score will get.
assistant
Can you do anything about how does a hard pull?
user