As everyone knows there are hard and soft pulls on your credit report. Exactly what law defines what constitutes a pull as hard or soft? Is it a law, or just common practice for credit bureaus to determine what classifies each one?What law defines what is a hard or soft pull on your credit report?
The only time someone can do a hard pull is when you have actually applied for credit or asked for a increase in a existing credit card limit.
Everything else is a soft pull.What law defines what is a hard or soft pull on your credit report?
There is no law on that, it's a matter of policy.
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