A hard-pull is not a GET; it's a POST. The semantics are "this person is actively seeking credit, and we are considering whether to extend it to them". The syst

A hard-pull is not a GET; it's a POST. The semantics are "this person is actively seeking credit, and we are considering whether to extend it to them". The system regards the extent of credit-seeking behavior, and changes to its pattern, as a factor that affects the credit profile. That's not prima facie unreasonable. If you have someone who suddenly starts applying for lots of personal loans (for example), that's probably something you'd be interested in, as someone who has previously extended credit to that person. As the prior poster indicated, when you look at your own credit file, it's not a hard pull. Nor is it a hard pull when a creditor updates their records on you as part of ongoing monitoring of your account. It's only a hard pull when the subject is specifically requesting a new, or increased, extension of credit. Those soft-pulls are GETs.