Full_Prune7491 t1_jea10ga wrote on March 30, 2023 at 2:37 PM

Reply to comment by micreyes11 in Why are we encouraged to charge everything to a credit card but get penalized for high credit utilization? by New-Row7111

Not sure. People are obsessed with hard pull. Soft pull. Again credit is only important when you need to borrow money. Don’t this when you are applying for a mortgage if you are worried.

bury-me-in-books t1_jedqo3u wrote on March 31, 2023 at 7:41 AM

I had a bank employee tell me recently that if I wanted more info on the loan I was looking at, they would need to do a hard pull on my credit, and that it would be a 10% hit on my credit score. I'm not sure she was right, but I'm not willing to test that lol. I told her thanks for what info she could give me without the credit check, and then made a mental note to see how much a hard pull would actually affect my score by researching online, without doing one until I had to.