Bzal1122
Senior Member
No need to do that idiotic challenge. I have 2 houses a business, and have bought over 20 cars in my lifetime. I can see right on my latest Experian alert that my FICO score has not changed over the last 4 months. My Bank which hold my business loan just “soft pulled “ my credit report , like they do every 6 months back in April and Alas same score. . Thanks for the offer. A soft pull does not affect your score. That’s why they added that feature a decade ago. I’ll call Experian later this week to remind them they forgot to deduct a point or two for the soft pull.Alright, shoot me over a PM with your DL and SS and I’ll have our sales manager pull your credit. You’ll have a new inquiry on you bureau which will affect your score from 2-5 points on average.
edit: I should clarify that yes, immediately after the pull, your score will remain unchanged, however, once your bureau reports the inquiry, typically within 30 days, you’ll see the drop the following month.
Mike
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