{"id":146,"date":"2016-01-07T22:13:17","date_gmt":"2016-01-08T03:13:17","guid":{"rendered":"http:\/\/yibababa.com\/?p=146"},"modified":"2016-01-07T22:13:17","modified_gmt":"2016-01-08T03:13:17","slug":"%e4%bb%80%e4%b9%88%e6%98%af-hard-pull-%e4%b8%8e-soft-pull%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/146","title":{"rendered":"\u4ec0\u4e48\u662f Hard Pull \u4e0e Soft Pull\uff1f"},"content":{"rendered":"

\u5728\u6211\u4eec\u5411\u91d1\u878d\u673a\u6784\uff08\u4e00\u822c\u4e3a\u94f6\u884c\uff09\u7533\u8bf7\u94f6\u884c\u8d26\u6237\u3001\u94f6\u884c\u5361\u3001\u8d37\u6b3e\u7684\u65f6\u5019\uff0c\u94f6\u884c\u90fd\u4f1a\u5411\u7f8e\u56fd\u4e09\u5927\u4fe1\u7528\u8bb0\u5f55\u516c\u53f8\u67e5\u8be2\u7533\u8bf7\u8005\u7684\u4fe1\u7528\u5206\u6570\u4e0e\u4fe1\u7528\u62a5\u544a\u3002\u7531\u4e8e\u67e5\u8be2\u7684\u65b9\u5f0f\u4e0d\u540c\uff0c\u5bf9\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\u4f1a\u9020\u6210\u4e0d\u540c\u7684\u5f71\u54cd\u3002\u8fd9\u91cc\u7684\u67e5\u8be2\u65b9\u5f0f\u4e3b\u8981\u5206\u4e3a\u4e24\u79cd\uff1aHard Pull\uff08\u53c8\u53eb\u505a Hard Inquiry\uff09\u4e0e Soft Pull\uff08\u53c8\u53eb\u505a Soft Inquiry\uff09\u3002<\/p>\n

\u4e00\u3001Hard Pull<\/strong><\/p>\n

\u82f1\u6587\u89e3\u91ca<\/strong>\uff1a<\/p>\n

Hard pull is a credit scoring term. It describes when a consumer has applied for a loan. The potential lender checks the consumer\u2019s credit report, which creates a small negative impact on the consumer\u2019s credit score. An occasional hard pull, or a quick burst of hard pulls, has little impact on credit scores; the credit scoring formulas recognize routine loan shopping. What hurts a credit score most are multiple hard pulls over a long period. A hard pull is also known as a \u201chard inquiry.\u201d<\/p>\n

\u4ece\u4e0a\u9762\u7684\u82f1\u6587\u89e3\u91ca\u53ef\u770b\u51fa\uff0c\u5f53\u6211\u4eec\u7533\u8bf7\u4fe1\u7528\u5361\u548c\u8d37\u6b3e\u65f6\uff0c\u53d1\u5361\u673a\u6784\u6216\u8005\u8d37\u6b3e\u673a\u6784\u5411\u4fe1\u7528\u8bb0\u5f55\u673a\u6784\u67e5\u8be2\u6211\u4eec\u4fe1\u7528\u8bb0\u5f55\u7684\u884c\u4e3a\u53eb\u505ahard pull\u3002hard pull \u4f1a\u5bf9\u6211\u4eec\u7684\u4fe1\u7528\u5206\u6570\uff08credit score\uff09\u9020\u6210\u4e00\u5b9a\u7684\u8d1f\u9762\u5f71\u54cd\uff0c\u4f60\u7684\u5206\u6570\u4f1a\u964d\u4f4e\uff1b\u7533\u8bf7\u4e00\u5f20\u4fe1\u7528\u5361\u4e00\u822c\u4f1a\u6263\u6389\u7ea65\u70b9\u4fe1\u7528\u5206\u6570\uff08FICO\u5206\u6570\uff09\u3002<\/p>\n

Hard Pull\u7684\u8bb0\u5f55\u4f1a\u5728\u6211\u4eec\u7684\u4fe1\u7528\u8bb0\u5f55\u4e0a\u4fdd\u75592\u5e74\u3002\u4e5f\u5c31\u662f\u4efb\u4f55\u770b\u4f60\u4fe1\u7528\u8bb0\u5f55\u7684\u673a\u6784\u90fd\u4f1a\u770b\u5230\u4f60\u8fd12\u5e74\u5185\u7684hard pull\u8bb0\u5f55\u3002\u7531\u4e8ehard pull\u662f\u7533\u8bf7\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\u4e0d\u53ef\u907f\u514d\u7684\u6b65\u9aa4\uff0c\u6211\u4eec\u9700\u8981\u5c3d\u91cf\u907f\u514dhard pull\u7684\u6b21\u6570\u6765\u4fdd\u6301\u9ad8\u4fe1\u7528\u5206\u6570\u3002\u56e0\u6b64\uff0c\u4e0d\u8981\u77ed\u671f\u5185\u8fc7\u4e8e\u9891\u5bc6<\/strong>\u7533\u8bf7\u4fe1\u7528\u5361\u6216\u8d37\u6b3e\u662f\u51cf\u5c11hard pull\u7684\u6709\u6548\u9014\u5f84\u3002\u6b64\u5916\uff0c\u77ed\u671f\u5185\u51fa\u73b0\u8fc7\u591a\u7684 Hard Pull \u4f1a\u8ba9\u91d1\u878d\u673a\u6784\u63d0\u9ad8\u8b66\u89c9\uff0c\u56e0\u4e3a\u8fd9\u901a\u5e38\u610f\u5473\u4e24\u79cd\u60c5\u51b5\uff1a<\/p>\n

    \n
  1. \u4f60\u7684\u8d22\u653f\u72b6\u51b5\u5f88\u7cdf\u7cd5\uff0c\u6025\u4e8e\u5230\u5904\u627e\u94b1\uff08\u8d37\u6b3e\uff09\u3002<\/li>\n
  2. \u4f60\u8d37\u4e0d\u591f\u94b1\uff0c\u6216\u8005\u88ab\u5176\u5b83\u94f6\u884c\u62d2\u7edd\u4e86\uff0c\u6240\u4ee5\u627e\u5b8c\u4e00\u5bb6\u53c8\u627e\u53e6\u4e00\u5bb6\u501f\u3002<\/li>\n<\/ol>\n

    \u56e0\u4e3a hard pull \u5bf9\u4e8e\u4fe1\u7528\u5206\u6570\u7684\u5f71\u54cd\u4f1a\u968f\u7740\u65f6\u95f4\u53d8\u5316\u9010\u6e10\u51cf\u5c0f\u3002\u6839\u636e\u7ecf\u9a8c\u7684\u603b\u7ed3\uff0c\u5927\u6982\u534a\u5e74\u4ee5\u540ehard pull\u5bf9\u4e8e\u4fe1\u7528\u5206\u6570\u7684\u5f71\u54cd\u5c31\u4f1a\u5f88\u5c0f\u4e86\u3002\u6240\u4ee5\uff0c\u4e00\u822c\u7533\u8bf7\u4fe1\u7528\u5361\u7684\u5468\u671f\u6700\u597d\u662f\u534a\u5e74\u4ee5\u4e0a\u3002\u540c\u6837\uff0c\u5982\u679c\u7533\u8bf7\u4fe1\u7528\u5361\u88ab\u62d2\uff0c\u4e00\u822c\u6700\u5c11\u7b49\u534a\u5e74\u540e\u518d\u91cd\u65b0\u7533\u8bf7\u4f1a\u66f4\u5bb9\u6613\u83b7\u6279\u3002<\/p>\n

    \u4e8c\u3001Soft Pull<\/strong><\/p>\n

    \u82f1\u6587\u89e3\u91ca<\/strong>\uff1a<\/p>\n

    A soft inquiry, or soft pull, is a term used to refer to an inquiry into your credit history that does not adversely affect the credit score. Often, you are not even aware that there has been a soft inquiry on your credit report. For example, if you receive a solicitation in the mail offering you a credit card, the credit card company has most likely conducted a soft pull to see if you qualify. When mortgage lenders pre-approve you for a loan, they initially use a soft pull. Potential employers use it as a part of background checks, and your current credit card companies use soft inquiries to check up on you. Banks use them to verify that you are who you say you are when opening an account. If you check your own credit report, which you can do for free once a year, this is done with a soft pull. Most of the time, you do not even know when they occur, and they do not affect your credit report.<\/p>\n

    \u4e0e\u00a0Hard Pull \u76f8\u53cd\uff0cSoft Pull \u5bf9\u4fe1\u7528\u8bb0\u5f55\u548c\u4fe1\u7528\u5206\u6570\u4e0d\u4f1a\u4ea7\u751f\u4efb\u4f55\u5f71\u54cd\u3002Soft Pull \u4e00\u822c\u53d1\u751f\u5728\u7533\u8bf7\u8c03\u9ad8\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\uff08Credit Limit\uff09\uff0c\u81ea\u5df1\u67e5\u8be2\u4fe1\u7528\u62a5\u544a\uff0c\u4ee5\u53ca\u4fe1\u7528\u5361\u516c\u53f8\uff08\u94f6\u884c\uff09\u505a\u9884\u6279\uff08Pre-Approve\uff09\u7684\u65f6\u5019\u3002\u5927\u5bb6\u6536\u5230\u7684\u5f88\u591a\u4fe1\u7528\u5361\u5e7f\u544a\uff0c\u90fd\u662f\u901a\u8fc7\u00a0Soft Pull \u6765\u83b7\u5f97\u4f60\u7684\u4fe1\u7528\u4fe1\u606f\uff0c\u7136\u540e\u6765\u5224\u65ad\u662f\u5426\u5bf9\u4f60\u53d1\u51fa\u5e7f\u544a\u3002<\/p>\n

    \u4e09\u3001\u4e0d\u786e\u5b9a\u7684\u60c5\u5f62<\/strong><\/p>\n

    \u4f46\u662f\uff0c\u6709\u4e9b\u60c5\u51b5\uff0c\u6bd4\u5982\u79df\u623f\u3001\u7b7e\u8ba2\u624b\u673a\u5408\u7ea6\u3001\u5f00\u94f6\u884c\u8d26\u6237\u3001\u79df\u8f66\u3001\u5f00\u901a\u7f51\u7edc\u5bbd\u5e26\u7b49\uff0c\u4e00\u822c\u60c5\u51b5\u5c5e\u4e8eSoft Pull\uff0c\u4f46\u5c11\u6570\u60c5\u51b5\u4e0b\u53ef\u80fd\u4f1a\u4ea7\u751fHard Pull\u3002\u5bf9\u4e8e\u8c03\u9ad8\u4fe1\u7528\u5361\u6d88\u8d39\u989d\u5ea6\uff0c\u6709\u4e00\u4e9b\u94f6\u884c\u662fsoft pull\uff0c\u6709\u4e00\u4e9b\u662fhard pull\u3002<\/p>\n

    \u56db\u3001\u5173\u4e8e Rate Shopping<\/strong><\/p>\n

    \u82f1\u6587\u89e3\u91ca\uff1aThe act of reviewing interest rates from various lenders and on various loan or credit products. Rate shopping allows a consumer to understand the costs of available products and the differences between lenders.<\/p>\n

    \u610f\u601d\u662f\u8bf4\uff0c\u5f53\u4f60\u8d37\u6b3e\u7684\u65f6\u5019\u9700\u8981\u8d27\u6bd4\u4e09\u5bb6\uff0c\u770b\u90a3\u5bb6\u91d1\u878d\u673a\u6784\u63d0\u4f9b\u6700\u4f18\u60e0\u7684\u5229\u7387\u6216\u6761\u4ef6\uff0c\u7136\u540e\u8054\u7cfb\u591a\u5bb6\u91d1\u878d\u673a\u6784\uff08\u94f6\u884c\uff09\uff0c\u4ed6\u4eec\u90fd\u4f1a\u8c03\u9605\u4f60\u7684\u4fe1\u7528\u62a5\u544a\uff0c\u6bcf\u5bb6\u91d1\u878d\u673a\u6784\u7684\u6bcf\u6b21\u8c03\u9605\u90fd\u662f\u4e00\u6b21\u00a0Hard Pull\uff0c\u4f46\u8fd9\u5e76\u4e0d\u4ee3\u8868\u4f60\u7684\u4fe1\u7528\u98ce\u9669\u589e\u52a0\u8bb8\u591a\u500d\uff0c\u56e0\u4e3a\u4f60\u53ea\u662f\u8d37\u6b3e\u4e70\u4e00\u8f86\u8f66\uff0c\u6216\u4e70\u4e00\u95f4\u623f\u5b50\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f60\u5728\u00a0Hard Pull \u4e4b\u540e\u768430\u5929\u5185\u62ff\u5230\u8d37\u6b3e\uff0c\u8fd9\u662f\u6b63\u5e38\u7684\u00a0Rate Shopping \u884c\u4e3a\uff0c\u800c\u4e14\u5c5e\u4e8e\u623f\u8d37\u3001\u8f66\u8d37\u6216\u5b66\u751f\u8d37\u6b3e\uff0cRate Shopping \u4ea7\u751f\u7684\u7684\u8fd9\u4e9bHard Pull\u4ec5\u5f53\u4f5c\u4e00\u4e2aHard Pull\uff0c\u4e0d\u4f1a\u5927\u5e45\u964d\u4f4e\u4f60\u7684\u4fe1\u7528\u5206\u6570\u3002<\/p>\n

    \u4e94\u3001\u603b\u7ed3<\/strong><\/p>\n

    \u4e00\u822c\u6765\u8bb2\uff0c\u5982\u679c\u5c5e\u4e8e\u00a0hard pull \uff0c\u90fd\u9700\u8981\u4f60\u7684\u6388\u6743\uff0c\u91d1\u878d\u673a\u6784\uff08\u6216\u5176\u5b83\u673a\u6784\uff09\u624d\u80fd\u8c03\u9605\u4f60\u7684\u4fe1\u7528\u62a5\u544a\u3002\u5f53\u7136\uff0c\u4f60\u4e5f\u53ef\u4ee5\u8be2\u95ee\u94f6\u884c\u673a\u6784\u5728\u8981\u4f60\u63d0\u4f9bSSN\uff08\u793e\u4f1a\u5b89\u5168\u53f7\u7801\uff09\u8fdb\u884c\u4fe1\u7528\u8bb0\u5f55\u7684\u67e5\u8be2\u65f6\u662fhard pull\u8fd8\u662fsoft pull\uff0c\u4f9d\u6b64\u6765\u4fdd\u62a4\u81ea\u5df1\u7684\u4fe1\u7528\u8bb0\u5f55\u3002\u5982\u679c\u5728\u4f60\u4e0d\u77e5\u60c5\uff0c\u6216\u6ca1\u6709\u6388\u6743\u7684\u60c5\u51b5\u4e0b\u4ea7\u751f\u00a0hard pull\uff0c\u4f60\u53ef\u4ee5\u8054\u7cfb\u4fe1\u7528\u5c40\u7533\u8bc9\uff08Dispute\uff09\u64a4\u9500\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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