credit
Hard Pull
A hard pull is a credit inquiry that appears on your credit report and temporarily lowers your FICO score.
Last updated Reviewed by ICG Funding
Definition
What it means.
Hard pulls are triggered when you formally accept a loan offer or apply for new credit. Each hard pull typically reduces your FICO by 2–5 points for 3–6 months, after which the impact fades.
Too many hard pulls in a short window can look like credit distress to subsequent lenders. If you are shopping multiple funders, confirm up front which ones use soft pulls to size an offer, and avoid accepting offers you are not serious about.
Now what?
Get an offer that accounts for hard pull.
Soft-pull credit check. Quick application. No obligation.