Soft vs. Hard Credit Pulls WHAT’S THE DIFFERENCE?
Pumpkin Pie Parfaits
Inspired by Kenarry.com
These parfaits are an easy fall dessert everyone can make!
INGREDIENTS • 3.4 oz instant vanilla pudding mix • 2 cups cold milk • 15-oz can pumpkin purée
Creditworthiness is an important aspect of the lending process here at CHB, and we do both soft and hard pulls. A soft pull provides us with the preliminary information required to move forward with a deal without “dinging” your clients’ credit scores. It provides us with an estimate of a credit score and the reasoning behind it. Once a soft pull deems the client to be a promising candidate, we can then perform a hard pull, which gives us the information necessary to take a deeper dive into their credit history. A hard pull is only conducted once an applicant is approved and prepared to move on to signing documents. Our credit pulls are done through two sources: Credco by Core Logic and Credit Information System (CIS). CHB is also a “storied lender.” By this, we mean that our financing decisions are based upon the applicant’s story, not just the number on their credit report. Hard pulls provide us with some valuable insight into a candidate’s story and timeline, which is all factored into the final credit decision. When clients receive a credit approval from us, it’s an official “YES!”
3. In small jars or glasses, place cookie crumbs on bottom, then pumpkin mixture, then whipped topping. Repeat these layers twice and end with cookie crumbs. 4. Chill until ready to serve! • 1/2 tsp cinnamon • 1/4 tsp nutmeg • 1/8 tsp ground cloves • 1 cup vanilla sandwich cookies • 8 oz whipped topping
DIRECTIONS
1. In a large bowl, whisk together pudding mix and milk. Let sit for 5 minutes, then stir in pumpkin purée, cinnamon, nutmeg, and ground cloves. 2. In a blender or food processor, crush vanilla sandwich cookies into crumbs.
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Some common hard credit pulls include:
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Business applications
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Apartment rental applications
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Mortgage applications Student loan applications Personal loan applications Credit card applications
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Auto loan applications
Alternatively, some examples of soft credit pulls include:
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Pre-qualified credit card applications
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Pre-qualified insurance quotes
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Credit score checks
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Employment verifications
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Commercial Equipment Finance Request
To check your creditworthiness to gather an honest (and free) idea of where your credit is before applying for a loan, AnnualCreditReport.com is mandated by federal law to provide you with a report from all three major credit reporting agencies — Transunion, Experian, and Equifax. Keeping a close eye on your credit is essential to tracking your performance and ensuring errors do not exist! For all soft or hard credit pull questions, we are here to help! Give us a call today!
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