题目

key has burnt me once during nano offer and pulled a hard pull on my report - i would never do it again - they say something and do something else.i did get the nano though which was good but with a hard pull on my credit for sure
然后回帖的人说
Thanks for the info on the hard pull.I am debating if a iPod is worth a hard pull?Maybe.

提问时间：2020-12-08

答案

这是讲个人信用调查
hard pull:如果一定要通过信用调查来取得贷款或分期付款类,如买iPod可以分期付款,叫 hard pull.有些人不愿意填许多表来申请贷款.有些人的信用不好,贷不到款,或不合格分期付款.
hat Are Hard Pull and Soft Pull?
“Hard pull” usually refers to credit inquiries that are initiated by you.When you,for example,apply for a credit card or a mortgage or sign up a new wireless service,the lender will run a credit check to determine whether to grant you the loan and,if so,at what rate.These inquiries are usually called voluntary inquiries.
However,not every voluntary credit inquiry will be treated as “hard pull.” For example,when I applied for the FNBO account last month,only “soft pull” was conducted.“Soft pull,” also known as involuntary inquiry,happens when creditors want to send you pre-approved credit applications,or when they want to verify the accuracy of the information you provide (in the FNBO case).Also when you check your own credit history,the entry will appear as a “soft pull” as well.