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DansDeals Forum => Credit Cards => Topic started by: springles on May 17, 2011, 10:48:53 PM

Title: Dispute Credit pull?
Post by: springles on May 17, 2011, 10:48:53 PM
I was looking at my wife's credit score with the free 30 days on equifax (thanks dan) and I saw that in October there were two credit pulls on Experian and 1 on both equifax and TU.  The two pulls were from Toyota Motor Credit and 700 credit/east coast toyota.  I did lease a car in October from Toyota but I am not sure why there would be two pulls for it.  Is there any reason why there should be two? And if not how do i go about disputing it? Should I call Toyota or just dispute it straight through Experian?

Title: Re: Dispute Credit pull?
Post by: springles on May 17, 2011, 11:00:40 PM
I was looking at my wife's credit score with the free 30 days on equifax (thanks dan) and I saw that in October there were two credit pulls on Experian and 1 on both equifax and TU.  The two pulls were from Toyota Motor Credit and 700 credit/east coast toyota.  I did lease a car in October from Toyota but I am not sure why there would be two pulls for it.  Is there any reason why there should be two? And if not how do i go about disputing it? Should I call Toyota or just dispute it straight through Experian?
well it seems that Experian wont let me dispute a credit pull.  So what do I do? Contact Toyota?
Title: Re: Dispute Credit pull?
Post by: MarkS on May 18, 2011, 12:22:23 AM
For whatever reson they pulled your credit twice.

I assume it is impossible to 'dispute' that. It happened.

It like disputing that it rained today!

The type of thing that you would dispute is if they have mistaken information regarding your CC acount.
Title: Re: Dispute Credit pull?
Post by: Spiffster on May 18, 2011, 06:28:58 AM
if it's incorrect or you don't think it should be there, dispute it.  the fcra gives you the right.  it doesn't matter what the data point is - every piece of information on your report can be disputed: inquirys, lates, limits, dates, aliases, addresses, etc...

for hard pulls, you can either dispute it online with the bureau or send a certified letter to the address on the report for the co. that did the pull.  give them 30 days to respond and then send a demand letter that it be removed if they haven't provided you with proof of your authorization for each inquiry.  after that, you notify the bureau and they remove it since the co. hasn't verified it/replied within the timeframe required by law.

there are many "credit repair" websites with more detailed steps on this out there...
Title: Re: Dispute Credit pull?
Post by: springles on May 18, 2011, 10:24:44 AM
if it's incorrect or you don't think it should be there, dispute it.  the fcra gives you the right.  it doesn't matter what the data point is - every piece of information on your report can be disputed: inquirys, lates, limits, dates, aliases, addresses, etc...

for hard pulls, you can either dispute it online with the bureau or send a certified letter to the address on the report for the co. that did the pull.  give them 30 days to respond and then send a demand letter that it be removed if they haven't provided you with proof of your authorization for each inquiry.  after that, you notify the bureau and they remove it since the co. hasn't verified it/replied within the timeframe required by law.

there are many "credit repair" websites with more detailed steps on this out there...
Experian told me that a company has the right to pull my credit without my authorization and therefore I cannot dispute it.  I am going to try calling Toyota. 
Title: Re: Dispute Credit pull?
Post by: Spiffster on May 18, 2011, 11:08:30 PM
Experian is wrong.

Here is the law. http://www.law.cornell.edu/uscode/uscode15/usc_sec_15_00001681---b000-.html (http://www.law.cornell.edu/uscode/uscode15/usc_sec_15_00001681---b000-.html)

It's technical to read but the relevant bit is 2681b(c), which is: Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer.  You have to keep all the outline levels straight and know which subsection (e) they mean when they say subsection (e)  but basically, the only time they can do a hard pull is with your authorization.

You have a biz relationship w/Toyota so they can pull you report but the authorization you gave them isn't perpetual...
Title: Re: Dispute Credit pull?
Post by: Jkhein on September 14, 2016, 08:30:15 PM
I just spoke to citi regarding consolidating credit lines, the first indian said that no credit is pulled, when I spoke to the credit department afterwards he told me that he just pulled my credit [unauthorized]
I then tried to have them removed they put me on hold a few times but are not able to remove it once they pulled.
Is that correct? will it be easy to explain it to experian for them to do?
Title: Re: Dispute Credit pull?
Post by: 1356Abe on September 14, 2016, 08:35:20 PM
I just spoke to citi regarding consolidating credit lines, the first indian said that no credit is pulled, when I spoke to the credit department afterwards he told me that he just pulled my credit [unauthorized]
I then tried to have them removed they put me on hold a few times but are not able to remove it once they pulled.
Is that correct? will it be easy to explain it to experian for them to do?
Had that same story a couple years ago don't remember exactly what happened. I think they gave $100 and had it removed after a lot of fighting and escalating. 
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 15, 2016, 12:22:33 AM
I just spoke to citi regarding consolidating credit lines, the first indian said that no credit is pulled, when I spoke to the credit department afterwards he told me that he just pulled my credit [unauthorized]
I then tried to have them removed they put me on hold a few times but are not able to remove it once they pulled.
Is that correct? will it be easy to explain it to experian for them to do?

Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.
Title: Re: Dispute Credit pull?
Post by: compddd on September 15, 2016, 12:23:30 PM
Getting hard inquiries removed is easier than making a Zebra have no stripes.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 11:14:53 AM
Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.
What are you talking about? They definite cannot do a hard inquiry without your consent or a concrete valid reason. Soft, sure, but not hard
Title: Re: Dispute Credit pull?
Post by: JTZ on September 16, 2016, 11:32:59 AM
What are you talking about? They definite cannot do a hard inquiry without your consent or a concrete valid reason. Soft, sure, but not hard
What would you consider a concrete reason?
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 12:01:22 PM
What would you consider a concrete reason?
Current creditors to review an account to ensure terms are met
I guess they can use that for anything...
http://blog.credit.com/2015/08/can-anyone-check-your-credit-without-your-permission-122983/
Title: Re: Dispute Credit pull?
Post by: JTZ on September 16, 2016, 01:49:26 PM
Current creditors to review an account to ensure terms are met
I guess they can use that for anything...
http://blog.credit.com/2015/08/can-anyone-check-your-credit-without-your-permission-122983/
We are lucky they don't.
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 16, 2016, 03:38:40 PM
What are you talking about? They definite cannot do a hard inquiry without your consent or a concrete valid reason. Soft, sure, but not hard

You simply don't know what you're talking about. An existing creditor can pull a person's credit whenever it wants.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 03:41:43 PM
You simply don't know what you're talking about. An existing creditor can pull a person's credit whenever it wants.
-1
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 16, 2016, 03:57:30 PM
-1

Please cite the federal statute(s) in support of your claim, as well as a statute that makes a distinction between so-called "hard" and "soft" pulls. Thanks in advance.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 03:59:13 PM
Please cite the federal statute(s) in support of your claim, as well as a statute that makes a distinction between so-called "hard" and "soft" pulls. Thanks in advance.
How bout you do it? And don't be such a know-it-all dick while your at it?
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 16, 2016, 04:07:03 PM
How bout you do it? And don't be such a know-it-all dick while your at it?

You want me to cite a non-existent statute?

You're the one acting like a "know-it-all dick," which is ironic, given that you're dead wrong.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 04:19:17 PM
You want me to cite a non-existent statute?

You're the one acting like a "know-it-all dick," which is ironic, given that you're dead wrong.
-1
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 16, 2016, 04:46:24 PM
-1
Another super contribution.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 04:48:05 PM
Another super contribution.
You would know, based on all your super contributions!
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 16, 2016, 05:00:54 PM
You would know, based on all your super contributions!
You claimed I was wrong but refuse to provide a scintilla of support for your position. Lame.

The simple fact is, existing creditors can pull a person's credit, and there's *nothing* in the various credit-related laws that says anything about so-called "hard" or "soft" pulls.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 05:04:02 PM
You claimed I was wrong but refuse to provide a scintilla of support for your position. Lame.

The simple fact is, existing creditors can pull a person's credit, and there's *nothing* in the various credit-related laws that says anything about so-called "hard" or "soft" pulls.
-1
Title: Re: Dispute Credit pull?
Post by: noturbizniss on September 16, 2016, 05:04:19 PM
Nom nom nom nom. Yumm
Title: Re: Dispute Credit pull?
Post by: jsk173 on September 16, 2016, 07:37:40 PM
I'm starting to see how you've racked up over 5,000 comments here.
Title: Re: Dispute Credit pull?
Post by: Jkhein on September 19, 2016, 12:42:04 PM
Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.
They gave me a $100 statement credit and just sent me a letter to confirm that they have asked the reporting agencies to change the inquiry on my credit report to a non-display inquiry.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 25, 2016, 09:05:45 AM
You simply don't know what you're talking about. An existing creditor can pull a person's credit whenever it wants.
Do you have examples of ones that do a hard pull without a valid reason?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 25, 2016, 03:12:15 PM
Do you have examples of ones that do a hard pull without a valid reason?

The topic wasn't whether creditors routinely do it. The topic was whether a creditor *can* do it.

Most creditors don't pull hards for purposes of account review just because they don't want to annoy existing customers, but no matter how much message-board "experts" claim otherwise, there isn't anything in the federal banking or credit laws that says anything about a hard vs. a soft pull.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 25, 2016, 03:31:37 PM
The topic wasn't whether creditors routinely do it. The topic was whether a creditor *can* do it.

Most creditors don't pull hards for purposes of account review just because they don't want to annoy existing customers, but no matter how much message-board "experts" claim otherwise, there isn't anything in the federal banking or credit laws that says anything about a hard vs. a soft pull.
That is not what I asked and you know it. Name one FI that does hard pulls for the hell of it. Many FI's do routine soft pulls all the time because it has no detrimental effect on your CR. If they did hards instead they would get sued and lose.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 25, 2016, 03:32:32 PM
That is not what I asked and you know it. Name one FI that does hard pulls for the hell of it. Many FI's do routine soft pulls all the time because it has no detrimental effect on your CR. If they did hards instead they would get sued and lose.

I don't care what you asked. You resurrected a two-month-old discussion just to change the subject? No, thanks.

My comments in September were correct and I stand by them. (And the careful reader will note that no one has refuted them, despite all the snarky objections.)
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 25, 2016, 03:34:28 PM
I don't care what you asked. You resurrected a two-month-old discussion just to change the subject? No, thanks.

My comments in September were correct and I stand by them.
You're being a d**k for no reason, JTZ asked a valid question. He wasn't trying to be difficult or argue with you, he just wanted to know if you knew of anyone that did hard pulls for no reason.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 25, 2016, 03:37:31 PM
You're being a d**k for no reason, JTZ asked a valid question. He wasn't trying to be difficult or argue with you, he just wanted to know if you knew of anyone that did hard pulls for no reason.

Why are you following me all over the site, objecting to anything I say? Stop being a weirdo.

But just to play along, in this particular case, consolidating a credit line was indisputably a "valid reason" to pull one's credit.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 25, 2016, 04:49:06 PM
I don't care what you asked. You resurrected a two-month-old discussion just to change the subject? No, thanks.
I am just trying to clarify that a FI can't just do hard pulls on you even if the FCRA does not explicitly state the difference between soft and hard pulls. They are allowed to do soft pulls as many FI's do.
The simple fact is, existing creditors can pull a person's credit, and there's *nothing* in the various credit-related laws that says anything about so-called "hard" or "soft" pulls.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 25, 2016, 05:17:54 PM
I am just trying to clarify that a FI can't just do hard pulls on you even if the FCRA does not explicitly state the difference between soft and hard pulls. They are allowed to do soft pulls as many FI's do.

They're allowed to do hard pulls, too. If they weren't, someone would have been able to cite an applicable law by now.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 08:15:59 PM
They're allowed to do hard pulls, too. If they weren't, someone would have been able to cite an applicable law by now.
Name one FI's that does hard are pulls for stuff like regular reviews or whenever they want. Why is you can't name one?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 08:28:55 PM
Name one FI's that does hard are pulls for stuff like regular reviews or whenever they want. Why is you can't name one?

Are you being obtuse on purpose?

For about the fifth time, the discussion wasn't whether banks routinely do hard pulls for purposes of account review; the discussion was whether it is *legal* for banks to do so — which it is.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 08:32:13 PM
Are you being obtuse on purpose?

For about the fifth time, the discussion wasn't whether banks routinely do hard pulls for purposes of account review; the discussion was whether it is *legal* for banks to do so — which it is.
If it is legal show me just one, not two three or more, just one FI that does it. You can't because they would get sued if they did and would lose. Better for you to stop before you dig the whole any deeper.
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 08:34:00 PM
Name one FI's that does hard are pulls for stuff like regular reviews or whenever they want. Why is you can't name one?
Stop with the ad hominem attacks.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 08:35:05 PM
Stop with the ad hominem attacks.
:)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 08:47:46 PM
If it is legal show me just one, not two three or more, just one FI that does it. You can't because they would get sued if they did and would lose. Better for you to stop before you dig the whole any deeper.

LOL.

I've already explained why they don't do it. But not doing something and being FORBIDDEN from doing something are two very different things.

If account-review hard pulls were illegal, one of you big experts would have been able to cite an applicable statute by now. Put up or shut up.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 08:49:51 PM
LOL.

I've already explained why they don't do it. But not doing something and being FORBIDDEN from doing something are two very different things.
You say it is legal but they don't do it.
I say they can't and you have yet to come up with one FI that does.
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 08:50:32 PM
Hahahahahaha
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 08:56:50 PM
You say it is legal but they don't do it.
I say they can't and you have yet to come up with one FI that does.

A lot of things are legal but not done for business reasons. It's legal to have TSA-style security at the door of your local Burger King, but they don't do it because it would anger and dissuade customers. This isn't tough.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 08:58:05 PM
A lot of things are legal but not done for business reasons. It's legal to have TSA-style security at the door of your local Burger King, but they don't do it because it would anger and dissuade customers. This isn't tough.
Are collection agencies allow to do pulls on your credit?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 08:59:20 PM
Are collection agencies allow to do pulls on your credit?

Yes, they are — hard or soft.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:02:35 PM
Yes, they are — hard or soft.
We both agree they are the scum of the earth, correct? Why wouldn't they just keep doing hard pulls on your credit to put pressure on you to pay. We know they don't care about their reputation. The reason they don't is because they can't.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:05:56 PM
We both agree they are the scum of the earth, correct? Why wouldn't they just keep doing hard pulls on your credit to put pressure on you to pay. We know they don't care about their reputation. The reason they don't is because they can't.

They don't keep doing it because it costs them money, and because hard pulls are mostly irrelevant when a person already has derogatory entries on their credit reports.

This isn't tough.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:07:38 PM
By the way, all these months later, still waiting for a citation showing it's illegal for a bank to make a hard pull for account review — or for a collection agency to make hard pulls. If I'm wrong, seems like it would be easy to prove. But it's all talk and zero citations from the DDF "experts." LOL.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:12:13 PM
By the way, all these months later, still waiting for a citation showing it's illegal for a bank to make a hard pull for account review — or for a collection agency to make hard pulls. If I'm wrong, seems like it would be easy to prove. But it's all talk and zero citations from the DDF "experts." LOL.
You assume their has to rule for everything you can't do. FRCA does not cover everything and your reading of it does mean it is the correct reading. If you can't give one example of what you claim is allowed speaks volumes that you are wrong.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:15:59 PM
You assume their has to rule for everything you can't do. FRCA does not cover everything and your reading of it does mean it is the correct reading. If you can't give one example of what you claim is allowed speaks volumes that you are wrong.

This is hilarious.

Banks aren't allowed to do hard pulls for account review, but there's no actual law or regulation?

LOL.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:19:31 PM
Banks aren't allowed to do hard pulls for account review,
Finally you understand.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:27:32 PM
Finally you understand.

This doesn't even rise to the level of trolling. Sad effort.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:29:14 PM
This doesn't even rise to the level of trolling. Sad effort.
All you need is one example that you can't provide. That is sad and proves you are wrong.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:31:53 PM
All you need is one example that you can't provide. That is sad and proves you are wrong.

Example of what? You obviously think you're being clever, but it doesn't even rise to the level of trolling.

If I'm wrong, cite a statute. Put up or shut up.
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 09:32:32 PM
This doesn't even rise to the level of trolling. Sad effort.

All you need is one example that you can't provide. That is sad and proves you are wrong.
He has yet to back up a single thing he has written in this forum. Why should this be the first?
Title: Re: Dispute Credit pull?
Post by: David Smith on November 26, 2016, 09:34:04 PM
http://www.law360.com/articles/826789/sofi-pays-2-4m-to-settle-action-over-hard-credit-inquiries


You will notice (actually, someone with an iota of experience will notice) that whenever you call to do a CLI or recon that will entail a HP, they make sure you are aware and consent to this first.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:34:33 PM
Example of what? You obviously think you're being clever, but it doesn't even rise to the level of trolling.

If I'm wrong, cite a statute. Put up or shut up.
Do you understand no FI does it. What can't you understand? Try using a little common sense instead of hurling insults.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:36:16 PM
http://www.law360.com/articles/826789/sofi-pays-2-4m-to-settle-action-over-hard-credit-inquiries
That ends this one.  :)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:39:09 PM
"That ends this one"?

LOL.

Cite a statute. Still waiting ...
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 09:39:13 PM
Do you understand no FI does it. What can't you understand? Try using a little common sense instead of hurling insults.
Has he shown an ability to do that?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:41:33 PM
"That ends this one"?

LOL.

Cite a statute. Still waiting ...
I said they are not allowed to do it and proof was provided. Now it is your turn to prove they can.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:43:40 PM
I said they are not allowed to do it and proof was provided. Now it is your turn to prove they can.

What proof? I never said a bank couldn't be sued for pulling credit without a permissible purpose.

You appear to be an incredibly dishonest person.
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 09:44:40 PM
"That ends this one"?

LOL.

Cite a statute. Still waiting ...
Why is case law not enough?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:44:56 PM
What proof? I never said a bank couldn't be sued for pulling credit without a permissible purpose.

You appear to be an incredibly dishonest person.
Did you get banned from myfico and that is why you are here?
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 26, 2016, 09:46:02 PM
Did you get banned from myfico and that is why you are here?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:46:26 PM
Why is case law not enough?

There's no such thing as "case law" without a controlling statute. Cite one.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:46:55 PM
Did you get banned from myfico and that is why you are here?

Never posted a single comment there.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:48:02 PM
Never posted a single comment there.
You should try it.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 09:50:16 PM
You should try it.

Why don't you try citing the applicable statute instead of wasting all this time?

If you're right, all of this could be ended with a single one-sentence comment. And yet here we are, still waiting ... and waiting ... and waiting ...
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 09:53:49 PM
Why don't you try citing the applicable statute instead of wasting all this time?

If you're right, all of this could be ended with a single one-sentence comment. And yet here we are, still waiting ... and waiting ... and waiting ...
Lets me try this one more time. There is not a law covering every situation. The case was cited where they were not allowed to do a hard pull but a soft would have been OK. If you don't understand this there is nothing I or anyone else that can say that will help you.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 10:03:18 PM
Lets me try this one more time. There is not a law covering every situation. The case was cited where they were not allowed to do a hard pull but a soft would have been OK. If you don't understand this there is nothing I or anyone else that can say that will help you.

LOL. How can it be illegal for banks to do a hard pull for account review without there being a law forbidding it?

You're embarrassing yourself here.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 10:05:17 PM
I just found out that members are getting notifications each time this trash is posted. It would be best we just don't respond. I am done and hope you all follow my lead.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 10:10:16 PM
Hey, don't blame me. You supposedly could have ended this with a one-sentence citation ... for which we've been waiting, and waiting, and waiting some more.

It's especially odd, since your signature begins "LESS IS MORE."
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 10:38:04 PM
Hey, don't blame me. You supposedly could have ended this with a one-sentence citation ... for which we've been waiting, and waiting, and waiting some more.

It's especially odd, since your signature begins "LESS IS MORE."
I guess this is part of the less
Title: Re: Dispute Credit pull?
Post by: noturbizniss on November 26, 2016, 10:41:57 PM
LOL. How can it be illegal for banks to do a hard pull for account review without there being a law forbidding it?

You're embarrassing yourself here.
Good point.just link there's no law that cost card companies can't say triple your closing balance every month and that banks can't say that whatever you deposit on Tuesdays will be considered a gift to the bank. As JTZ said numerous times not everything needs a law.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 10:49:21 PM
Good point.just link there's no law that cost card companies can't say triple your closing balance every month and that banks can't say that whatever you deposit on Tuesdays will be considered a gift to the bank. As JTZ said numerous times not everything needs a law.

LOL. This is the dumbest reply yet. You guys aren't even trying.
Title: Re: Dispute Credit pull?
Post by: aygart on November 26, 2016, 10:51:55 PM
LOL. This is the dumbest reply yet. You guys aren't even trying.
what would be the point of trying?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 10:56:27 PM
what would be the point of trying?

To show what a big dummy I am, which, if you big "experts" are right, any of you could have done by posting a citation two or three pages ago. Instead, you guys have posted nonsense on top of nonsense, but no citations to the allegedly relevant law(s).

Also, for the record, the JTZ guy who claimed he was done with the conversation merely shifted it to PM, but four messages later, he hasn't provided any citations there, either. Weird, huh?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 11:04:13 PM
Also, for the record, the JTZ guy who claimed he was done with the conversation merely shifted it to PM,
I did that as not to trash the thread something you don't care about. The same as when someone posts case law you don't care.
Everyone has made their case and the members can decide who the troll is. Sound good?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 11:06:40 PM
I did that as not to trash the thread something you don't care about. The same as when someone posts case law you don't care.
Everyone has made their case and the members can decide who the troll is. Sound good?

If you were so worried about "trashing the thread," you would have posted the relevant citation* in your first reply.

 
(* Which, as should be clear to all by now, doesn't exist.)
Title: Re: Dispute Credit pull?
Post by: chinagel on November 26, 2016, 11:24:28 PM
To show what a big dummy I am
ur doing a fine job urself
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 11:37:06 PM
ur doing a fine job urself

Right, I'm the dummy — not the guy who resurrected a two-month-old thread but refuses to post the citation he claims would prove his point.

Sure.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 11:41:03 PM
Right, I'm the dummy — not the guy who resurrected a two-month-old thread but refuses to post the citation he claims would prove his point.

Sure.
You are the only one hung up on this citation BS. I never once said there was or wasn't a citation. A court case was already provided to prove my point. I will take case law over a citation every day of the week and twice on Sunday. 
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 26, 2016, 11:53:16 PM
You are the only one hung up on this citation BS. I never once said there was or wasn't a citation. A court case was already provided to prove my point.

It's not B.S. at all.

Definitionally, if something is illegal, there must be a law making it illegal. And yet, despite your strident insistence that I'm wrong, you can't provide a citation to the (alleged) law in question.

Quote
I will take case law over a citation every day of the week and twice on Sunday.

You're trying to sound smart but embarrassing yourself in the process. How can there be "case law" without an underlying law that was broken? When you sue someone, you *MUST* cite the law or laws that were allegedly broken. That's why they call them LAWsuits.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 26, 2016, 11:59:39 PM
It's not B.S. at all.

Definitionally, if something is illegal, there must be a law making it illegal. And yet, despite your strident insistence that I'm wrong, you can't provide a citation to the (alleged) law in question.
You can repeat your BS all you want. Citations are only that citations. Once a judge rules the citation is meaningless. The judge ruled in this case that proves my point and it wasn't overturned. I said from the beginning if they did this they will get sued and the will lose. The case stated proves it. All you can do is repeat the childish citation comment that no one cares about.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:01:35 AM
You can repeat your BS all you want. Citations are only that citations. Once a judge rules the citation is meaningless. The judge ruled in this case that proves my point and it wasn't overturned. I said from the beginning if they did this they will get sued and the will lose. The case stated proves it. All you can do is repeat the childish citation comment that no one cares about.

LOL. Embarrassing.

Talk about "repeating B.S."

Physician, heal thyself.

(By the way, your link was to a settlement, not a legal ruling. There was nothing to "overturn," so the fact it wasn't overturned means absolutely nothing. All you're doing is throwing crap at the wall to try to distract from the fact you can't prove what you stridently claimed you could prove.)
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:04:49 AM
I have a court case that proves my point and you have?  :P
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:06:14 AM
I have a court case that proves my point and you have?  :P

LOL. You don't have a court case; you have a settlement.

Still waiting for the citation to the alleged law you claim proves your point ...
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:08:56 AM
By the way, ten seconds of reading shows that your big "court case" wasn't even regarding the same situation being discussed here. The company in this case did hard pulls on PEOPLE WHO WEREN'T CUSTOMERS:

https://secure.dahladmin.com/SOFI/FrequentlyAskedQuestions (https://secure.dahladmin.com/SOFI/FrequentlyAskedQuestions)

Nice try, though.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:10:32 AM
LOL. You don't have a court case; you have a settlement.

Still waiting for the citation to the alleged law you claim proves your point ...
You are going to wait a long time since I never claimed to produce some BS citation. Show the post where I said that will produce a citation?
What we do have is a court case proving my point exactly as I said would happen. What have you produced?  :P
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:12:39 AM
You are going to wait a long time since I never claimed to produce some BS citation. Show the post where I said that will produce a citation?

This is pathetic. You stridently insisted it was illegal for a bank to do a hard pull for purposes of account review for an existing customer. So where's the citation to the relevant law?

Quote
What we do have is a court case proving my point exactly as I said would happen. What have you produced?  :P

LOL. Pure nonsense. Your big "court case" was a totally different situation than the one being discussed here.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:17:42 AM
If they would have pulled a soft instead of hard that would not have been sued. You keep digging your hole deeper and deeper. If you know how to use Google you will find other cases.

What proof have you provided again?  :P
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:21:38 AM
If they would have pulled a soft instead of hard that would not have been sued. You keep digging your hole deeper and deeper. If you know how to use Google you will find other cases.

What proof have you provided again?  :P

This is so pathetic, I'm actually starting to feel sorry for you.

You claimed it's illegal for banks to make a hard pull for purposes of account review for an existing customer, so CITE THE RELEVANT STATUTE.

Seriously, if you care so much about not "trashing the thread," then either put up or shut up. Your four pages (!!) of non-responsive crap are enough.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:23:18 AM
I proved my point with a court case.
I am a little confused where did you provide proof of what you are saying?  :P
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:27:40 AM
I proved my point with a court case.

LOL. Is this trolling? Did you skip the last page?

Quote
I am a little confused where did you provide proof of what you are saying?  :P

How would you like me to prove this? There's no law that says it's legal to chew gum on Thursdays. Does that mean chewing gum is ILLEGAL on Thursdays? No.

If it's illegal for banks to make these hard pulls, as you've been claiming for five pages now, then there MUST BE A LAW THAT MAKES IT ILLEGAL — a law that you should easily be able to cite.

Put up or shut up.
Title: Re: Dispute Credit pull?
Post by: username on November 27, 2016, 12:33:02 AM
LOL

They don't keep doing it because it costs them money, and because hard pulls are mostly irrelevant when a person already has derogatory entries on their credit reports.

This isn't tough.
FTFY.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 12:36:51 AM

§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]
(3) To a person which it has reason to believe
    (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
    (B) intends to use the information for employment purposes; or
    (C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
    (D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
    (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
    (F) otherwise has a legitimate business need for the information
       (i) in connection with a business transaction that is initiated by the consumer; or
       (ii) to review an account to determine whether the consumer continues to meet the terms of the account.2
    (G) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.1

Review of an account
≠ whenever they want
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:39:51 AM
§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]
(3) To a person which it has reason to believe
    (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
    (B) intends to use the information for employment purposes; or
    (C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
    (D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
    (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
    (F) otherwise has a legitimate business need for the information
       (i) in connection with a business transaction that is initiated by the consumer; or
       (ii) to review an account to determine whether the consumer continues to meet the terms of the account.2
    (G) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.1

Review of an account
≠ whenever they want

LOL. So you found the statute but you're trying to dishonestly misrepresent it?

Sections 3(F)(i) and 3(F)(ii) are applicable to the situation being discussed.

Also, as I said about six pages ago, there isn't a damn thing in there that discerns "hard pull" from "soft pull."

Thanks for proving my point. I appreciate it.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:43:53 AM
Also, as I said about six pages ago, there isn't a damn thing in there that discerns "hard pull" from "soft pull."
That is where the judge comes into the picture. He will decide when it can be a hard or soft pull.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 12:44:30 AM
LOL. So you found the statute but you're trying to dishonestly misrepresent it?

Sections 3(F)(i) and 3(F)(ii) are applicable to the situation being discussed.

Also, as I said about six pages ago, there isn't a damn thing in there that discerns "hard pull" from "soft pull."

Thanks for proving my point. I appreciate it.
None of that translates to
An existing creditor can pull a person's credit whenever it wants.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:45:38 AM
That is where the judge comes into the picture. He will decide when it can be a hard or soft pull.

Utterly hilarious.

The law says nothing about hard or soft pulls, but the judge will decide?

Yeah, sure.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:46:52 AM
None of that translates to

LOL. Where in that statute does it say a bank can only review someone's account at a specific interval?

You're basically lying through your teeth at this point.

A lot of people here suffer from a really embarrrasing lack of integrity. Sad.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:48:07 AM
The law says nothing about hard or soft pulls, but the judge will decide?

Yeah, sure.
I have a court cases to back up my position. What do you have again?  :P
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:50:15 AM
I have a court cases to back up my position. What do you have again?  :P

For someone who has claimed he doesn't want to "trash the thread," you sure do a lot of blatant trolling.

For about the fifth time, your big "court case" was regarding non-customers. Totally different set of facts.

The relevant statute was just posted above. This is where a person with integrity would simply say he was wrong and end the nonsense.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 12:52:49 AM
Lets see there are tens of thousands of FI's out there. All you have to do is show one that does hard pulls for account reviews.

What proof have you provided?  :P
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 12:57:55 AM
Lets see there are tens of thousands of FI's out there. All you have to do is show one that does hard pulls for account reviews.

What proof have you provided?  :P

We've been through this about five times already, troll.

The debate wasn't whether banks do it; the debate was whether it was LEGAL for them to do it.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 01:03:44 AM
The debate wasn't whether banks do it; the debate was whether it was LEGAL for them to do it.
So you admit there is no banks or FI's that do this? You keep bring up this legal BS. I said they are not allowed to do it and if they do they will be sued and lose. The court case proved my point.  :P

You can either provide proof for your position to end this or just admit you were mistaken.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 01:05:50 AM
So you admit there is no banks or FI's that do this? You keep bring up this legal BS. I said they are not allowed to do it and if they do they will be sued and lose. The court case proved my point.  :P

You can either provide proof for your position to end this or just admit you were mistaken.

More trolling. I guess you were lying when you tried to be all self-righteous about not wanting "threads to be trashed."
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 01:08:13 AM
More trolling. I guess you were lying when you tried to be all self-righteous about not wanting "threads to be trashed."
You mentioned PM that no respecting member would do.

After all your BS still waiting for one example.  :P
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 01:10:44 AM
You mentioned PM that no respecting member would do.
This. I was actually upset when he posted that. That crossed the line IMO.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 01:11:05 AM
You mentioned PM that no respecting member would do.

After all your BS still waiting for one example.  :P

No "respecting member" would self-righteously announce he was done with a topic -- and recommend everyone else quit it, too -- and then start blowing up a person's PM to continue the discussion he said he was done with.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 01:12:04 AM
This. I was actually upset when he posted that. That crossed the line IMO.

LOL. Mentioning he sent PMs crossed a line? Get serious.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 01:14:14 AM
Still not one example out of tens of thousands of FI's.
LOL  :P
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 01:18:07 AM
LOL. Mentioning he sent PMs crossed a line? Get serious.
Yes it did.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 01:33:17 AM
LOL. Mentioning he sent PMs crossed a line? Get serious.
What does the P stand for?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 01:35:58 AM
What does the P stand for?
Post? LOL
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 01:41:13 AM
What does the P stand for?

The content of private messages is meant to be private. The existence of such messages certainly isn't.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 01:42:23 AM
The content of private messages is meant to be private. The existence of such messages certainly isn't.
LOL
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 01:43:55 AM
The content of private messages is meant to be private. The existence of such messages certainly isn't.
Please provide a citation for that. LOL
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 01:47:48 AM
Please provide a citation for that. LOL

If I say "Bob Smith, check your PMs," I've crossed a line?

Please. You guys sound silly.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 01:52:02 AM
If I say "Bob Smith, check your PMs," I've crossed a line?

Please. You guys sound silly.
Again, you seem to lack the ability to evaluate the nuances of a situation.
You don't see the difference between the sender and the receiver? LOL
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 01:52:05 AM
If I say "Bob Smith, check your PMs," I've crossed a line?

Please. You guys sound silly.
The problem we have is that you attacked JTZ by saying that he tried to move the conversation to pm, that was nobody's else's business besides.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:04:26 AM
The problem we have is that you attacked JTZ by saying that he tried to move the conversation to pm, that was nobody's else's business besides.

No, it was everybody's business. He self-righteously announced he was done and told everyone else they should do the same, and then immediately started sending PMs.

If one doesn't like being exposed as dishonest, one shouldn't act in a dishonest manner. Very simple.

(Also, it wasn't an "attack" — it was a very basic statement of truth. This might be more productive if you wrote more accurately.)
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:08:14 AM
No, it was everybody's business. He self-righteously announced he was done and told everyone else they should do the same, and then immediately started sending PMs.

If one doesn't like being exposed as dishonest, one shouldn't act in a dishonest manner. Very simple.

(Also, it wasn't an "attack" — it was a very basic statement of truth. This might be more productive if you wrote more accurately.)
You just continue with the personal attack. Just proves my point about you the whole time.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:09:48 AM
You just continue with the personal attack. Just proves my point about you the whole time.

In what way was it a personal attack?
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:09:52 AM
(Also, it wasn't an "attack" — it was a very basic statement of truth.
False dilemma.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:11:00 AM
False dilemma.

"JZT is filling up my PMs" is a personal attack? You can't be serious.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:13:11 AM
No, it was everybody's business. He self-righteously announced he was done and told everyone else they should do the same, and then immediately started sending PMs.

If one doesn't like being exposed as dishonest, one shouldn't act in a dishonest manner. Very simple.

(Also, it wasn't an "attack" — it was a very basic statement of truth. This might be more productive if you wrote more accurately.)
I just found out that members are getting notifications each time this trash is posted. It would be best we just don't respond. I am done and hope you all follow my lead.
Going via PM would take care of that issue would it not? Or is that too much nuance for you?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:15:08 AM
"JZT is filling up my PMs" is a personal attack? You can't be serious.
I filled up your PM's?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:15:49 AM
Going via PM would take care of that issue would it not? Or is that too much nuance for you?

Huh? Thousands of comments are posted here every day; suddenly those notifications were beyond the pale?

Give me a break.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:17:34 AM
Huh? Thousands of comments are posted here every day; suddenly those notifications were beyond the pale?

Give me a break.
How is that relevant? He felt it was getting too much and therefore went to PM to resolve that issue. How does that make him "dishonest"? You have our permission to take a break. It may do you some good.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:20:02 AM
How is that relevant? He felt it was getting too much and therefore went to PM to resolve that issue. How does that make him "dishonest"? You have our permission to take a break. It may do you some good.

He said he was done. He didn't say he was taking it to PM. This isn't hard.

If people didn't want the notifications, they could unsubscribe, like on any other thread/forum.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:21:28 AM
I filled up your PM's?
Can you please state how many PM's we are talking about that "filled up your PM's". For the record and be fair you can also state how many you sent.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:22:56 AM
He said he was done. He didn't say he was taking it to PM. This isn't hard.

If people didn't want the notifications, they could unsubscribe, like on any other thread/forum.
Too much nuance for you huh?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:23:28 AM
Can you please state how many PM's we are talking about that "filled up your PM's". For the record and be fair you can also state how many you sent.

I've been told that would be crossing the line. I'm not falling for this trick.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:26:33 AM
I've been told that would be crossing the line. I'm not falling for this trick.
So how about you just say how many you sent?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:27:19 AM
I've been told that would be crossing the line. I'm not falling for this trick.
No trick you have my permission. How many did I send and how many did you send? Let the members decide who is being dishonest when you said I filled up your PM's.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:28:39 AM
No trick you have my permission. How many did I send and how many did you send? Let the members decide who is being dishonest when you said I filled up your PM's.

I replied to each message you sent me. I didn't initiate contact with you in any way.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:32:24 AM
I replied to each message you sent me. I didn't initiate contact with you in any way.
You have a hard time answering a simple question. Tell the members how many PM's you consider "filled up my PM". It will give the members a good idea the way you look at things.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 27, 2016, 02:33:03 AM
You have a hard time answering a simple question. Tell the members how many PM's you consider "filled up my PM". It will give the members a good idea the way you look at things.
Just tell us already. I'm so curious.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:33:18 AM
I replied to each message you sent me. I didn't initiate contact with you in any way.
Translation: I have to have the last word. LOL
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:34:18 AM
I replied to each message you sent me. I didn't initiate contact with you in any way.
Number numbers numbers
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:36:02 AM
You have a hard time answering a simple question. Tell the members how many PM's you consider "filled up my PM". It will give the members a good idea the way you look at things.

If you thought the discussion was no longer worthwhile, why did you immediately resume it via PM? There were multiple people participating; how is it better to have a bunch of PMs flying around instead of just continuing the discussion in the thread — the thread YOU saw fit to resurrect after 2 months of dormancy?

You got caught being dishonest so now you're trying to change the subject. That's all this is.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:37:29 AM
O
a diagram of every conversation here which you participated in.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:38:13 AM
Why are you so afraid to answer the simple question. Tell the members how many PM's you consider "filled up my PM's" is.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:39:05 AM
If you thought the discussion was no longer worthwhile, why did you immediately resume it via PM? There were multiple people participating; how is it better to have a bunch of PMs flying around instead of just continuing the discussion in the thread — the thread YOU saw fit to resurrect after 2 months of dormancy?

You got caught being dishonest so now you're trying to change the subject. That's all this is.
Let's say he was wrong for feeling that notifications were bothering people, how does that make him dishonest?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:40:31 AM
Let's say he was wrong for feeling that notifications were bothering people, how does that make him dishonest?

He dishonestly announced he was done with the discussion. Which part of this do you not understand?
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:41:13 AM
He dishonestly announced he was done with the discussion. Which part of this do you not understand?
Too much nuance for you huh?
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 02:42:20 AM
He dishonestly announced he was done with the discussion. Which part of this do you not understand?
He said he was finished with the conversation here because it was bothering members, not that he was finished with it completely.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:42:49 AM
He said he was finished with the conversation here because it was bothering members, not that he was finished with it completely.

No, he said he was done with it. There's also zero evidence of it "bothering members"; there were only about 10 people active in those threads and they could have unsubscribed from notifications at any time.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 27, 2016, 02:43:16 AM
He dishonestly announced he was done with the discussion. Which part of this do you not understand?
He announced that he was done on a public forum, because ”I just found out that members are getting notifications each time this trash is posted. It would be best we just don't respond. I am done and hope you all follow my lead.” how is continuing via PM dishonest to that statement?
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:43:59 AM
He said he was finished with the conversation here because it was bothering members, not that he was finished with it completely.
Too much nuance for him to understand.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:45:03 AM
He announced that he was done on a public forum, because ”I just found out that members are getting notifications each time this trash is posted. It would be best we just don't respond. I am done and hope you all follow my lead.” how is continuing via PM dishonest to that statement?

He "just found out" how notifications worked, after 7 months and almost 1,000 comments here? Come on.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 27, 2016, 02:45:41 AM
Please continue this argument here (http://forums.dansdeals.com/index.php?topic=68912.0)
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 27, 2016, 02:47:16 AM
He "just found out" how notifications worked, after 7 months and almost 1,000 comments here? Come on.
So now you're insinuating that the dishonesty was something else. After your original claim of dishonesty was shot down. Its beginning to sound like the cry of Wolf
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:49:36 AM
So now you're insinuating that the dishonesty was something else. After your original claim of dishonesty was shot down. Its beginning to sound like the cry of Wolf

What are you talking about?

He dishonestly said he was done with the discussion, and the claim he "just found out" how notifications worked doesn't pass the laugh test.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:51:29 AM
What are you talking about?

He dishonestly said he was done with the discussion, and the claim he "just found out" how notifications worked doesn't pass the laugh test.
He probably did it as a courtesy to someone who was bothered by it, something you are incapable of understanding so don't bother.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:52:25 AM
He probably did it as a courtesy to someone who was bothered by it, something you are incapable of understanding so don't bother.

Oh, is that right? Why didn't the person simply unsubscribe?
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 02:54:53 AM
Oh, is that right? Why didn't the person simply unsubscribe?
because he wanted to continue getting notifications about relevant stuff?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 27, 2016, 02:57:02 AM
What are you talking about?

He dishonestly said he was done with the discussion, and the claim he "just found out" how notifications worked doesn't pass the laugh test.
Good night. Its been fun polling about trolling. Mr. LOL I'm still rolling. Too much attention to you I have been doling. Enjoy the few hours you have left on this site, I hope getting banned doesn't ruin your night. I pity your plight, which causes you to bite on every stupid fight. And with that, I'm out like a light
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 02:57:37 AM
because he wanted to continue getting notifications about relevant stuff?

Huh? Either he cared about the hard-pull debate or he didn't. It's not like we were debating hard pulls in the Chase CSR thread.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 02:59:54 AM
It's not like we were debating hard pulls in the Chase CSR thread.
But you were cluttering up that thread with your wrong information to.

You going just have someone call you a liar? LOL
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:00:49 AM
But you were cluttering up that thread with your wrong information to.

You going just have someone call you a liar? LOL

The information wasn't wrong, as the posted legal statute eventually proved.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 03:01:42 AM
The information wasn't wrong, as the posted legal statute eventually proved.
nuance
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:03:34 AM
nuance

There's no nuance. Absolutely nothing in the FCRA or other statutes says anything re: hard vs. soft pulls for existing customers. This is an indisputable legal fact.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 03:06:27 AM
This is an indisputable legal fact.
Only in your mind. Show the members how your mind works. Tell them how many PM's you consider "filling up your PM's".
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:10:39 AM
Only in your mind. Show the members how your mind works. Tell them how many PM's you consider "filling up your PM's".

This silliness is just a distraction from your sorry behavior in this thread. You got proven wrong, you didn't like it, and now you're trying to make me the bad guy. Not interested in playing along any further.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 03:12:36 AM
This silliness is just a distraction from your sorry behavior in this thread. You got proven wrong, you didn't like it, and now you're trying to make me the bad guy. Not interested in playing along any further.
18 more posts like this and you can actually give yourself an avatar!
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 03:12:57 AM
Not interested in playing along any further.
See you just don't get it. I don't play.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:15:55 AM
See you just don't get it. I don't play.

No? You certainly didn't approach the discussion with anything resembling seriousness.

You argued that something was illegal but then couldn't cite a law in support of your position. In the legal arena, that's known as making a frivolous argument.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 03:17:51 AM
You argued that something was illegal but then couldn't cite a law in support of your position.
Where did I say it was illegal? Seems now you have a compulsive problem with not telling the truth.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:19:14 AM
Where did I say it was illegal? Seems now you have a compulsive problem with not telling the truth.

You said it was illegal for banks to make hard pulls for purposes of account review for existing customers, did you not? You said that if a bank made such a pull, they could be sued, did you not?

If it's not illegal, then what would be the cause of action for people who had such hard pulls made? What would be the grounds for the LAWsuit? Please explain.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 03:24:04 AM
You said it was illegal for banks to make hard pulls for purposes of account review for existing customers, did you not? You said that if a bank made such a pull, they could be sued, did you not?

If it's not illegal, then what would be the cause of action for people who had such hard pulls made? What would be the grounds for the LAWsuit? Please explain.
I would not use the term illegal because that would be in the criminal sense to me. You are the one that keeps using that term. Your credibility is shot so what is the purpose of this. No one is going to put any value in what you say from here on out.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:26:51 AM
I would not use the term illegal because that would be in the criminal sense to me. You are the one that keeps using that term.

You wouldn't use the term "illegal"? Then what term would you use? And what would be the cause of action?

Lawsuits are called LAWsuits for a reason. If you sue someone, you need to cite one or more laws that have been broken.

This is basic stuff, and yet you've been arguing against it for page after page after page. It's silly.

Quote
Your credibility is shot so what is the purpose of this. No one is going to put any value in what you say from here on out.

You don't seem to have any idea what you're arguing, but *my* credibility is shot? Yeah, sure.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 03:31:07 AM
You want the last word and you can have it. You are right about pulls, HUCA, Chase CL, Amex Plat, AU's, sitting next to a women and all your other posts. You happy now?
I can't forget, LOL
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 03:31:58 AM
You don't seem to have any idea what you're arguing, but *my* credibility is shot? Yeah, sure.
The difference between you and him is that he's built up a reputation of helpful and constructive posting (we won't count JS on Friday's ) over a longer period of time while you have not. So I for one would give the credibility to JTZ, not you.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 03:32:21 AM
You want the last word and you can have it. You are right about pulls, HUCA, Chase CL, sitting next to a women and all your other posts. You happy now?
I can't forget, LOL
You forgot amex plat.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:35:22 AM
The difference between you and him is that he's built up a reputation of helpful and constructive posting (we won't count JS on Friday's ) over a longer period of time while you have not. So I for one would give the credibility to JTZ, not you.

This is utterly childish and appeals to authority are dumb. The fact this guy has been here for 4 months longer than me doesn't mean a damn thing when we're discussing hard facts.

The relevant legal statute was posted in this thread and it speaks for itself. If you and/or others don't have the integrity to dispassionately analyze the information presented, well, that's on you guys.
Title: Dispute Credit pull?
Post by: mmgfarb on November 27, 2016, 03:36:06 AM
This is utterly childish and appeals to authority are dumb. The fact this guy has been here for 4 months longer than me doesn't mean a damn thing when we're discussing hard facts.
No, but his posts do.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:36:37 AM
No but his posts do.

Which of his posts? He posted something that refuted the legal statute that was posted?

You're engaging in childish tribalism over nothing.
Title: Re: Dispute Credit pull?
Post by: googwallet on November 27, 2016, 06:13:27 AM
This thread is pathetic. All 3 of you should get a life. Can't believe I wasted the time to read it, would have never believed this same thing continues on for 19 pages (in Tapatalk at least).
Title: Re: Dispute Credit pull?
Post by: noturbizniss on November 27, 2016, 09:43:41 AM
This thread is pathetic. All 3 of you should get a life. Can't believe I wasted the time to read it, would have never believed this same thing continues on for 19 pages (in Tapatalk at least).
-1 . 4 pages
Title: Re: Dispute Credit pull?
Post by: TAVI on November 27, 2016, 01:44:29 PM
Now i have to preempt this by saying that i dont know much about the legal side of credit pulls, or legal matters in general. Sure don't know what prompted me to read this entire thread this lovely Sun afternoon.

but to me the attacks on jsk173 seemed unfair. Now i dont know if there's any previous bad blood between some of you (like other threads or topics), or whether there are hidden loyalties or friendships in play here, but i'm even more puzzled by the fact that it is done by established forum members.

now, JSK, i have no clue whether you have any use for my advice (and you probably don't) - but to me, you made valid logical arguments (no idea if right / wrong), that have not received any valid response, and it sounds like you know that, so why play into this whole thing? to me it seemed that you were being taunted, and you are just not going to get acknowledgment from the other side, whether right or wrong.

anyways, my 2 cents
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 27, 2016, 03:17:22 PM
Now i have to preempt this by saying that i dont know much about the legal side of credit pulls, or legal matters in general. Sure don't know what prompted me to read this entire thread this lovely Sun afternoon.

anyways, my 2 cents
you obviously didn't read the entire thread
Quote
my 2 cents
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:23:48 PM
now, JSK, i have no clue whether you have any use for my advice (and you probably don't) - but to me, you made valid logical arguments (no idea if right / wrong), that have not received any valid response, and it sounds like you know that, so why play into this whole thing? to me it seemed that you were being taunted, and you are just not going to get acknowledgment from the other side, whether right or wrong.

I'm astonished it went on as long as it did. On every other board I've ever been on, if someone resurrects a two-month-old thread, they better have a very good reason. But here, the guy did so, in a strident manner, and then both refused to post any supporting evidence and played a silly game of change-the-subject when it was established he was wrong about the legalities. The whole thing was bizarre; I felt like I was on an internet version of "Candid Camera."

Then, while claiming I'm some sort of troll/troublemaker, they went and started rehashing this in not one but two other threads in the Just Schmooze area, including one that calls me out by name. Truly bizarre, especially if "dropping this" was what everyone supposedly wanted.
Title: Re: Dispute Credit pull?
Post by: Freddie on November 27, 2016, 03:28:03 PM
I'm astonished it went on as long as it did. On every other board I've ever been on, if someone resurrects a two-month-old thread, they better have a very good reason. But here, the guy did so, in a strident manner, and then both refused to post any supporting evidence and played a silly game of change-the-subject when it was established he was wrong about the legalities. The whole thing was bizarre;I felt like I was on an internet version of "Candid Camera."

Wow, you sound like such a victim. It must feel crazy to be blindsided like that.

Children, can you say today's DDF "word of the day"? Passive-aggressive. That's right. Now say it with me. Passive-aggressive.

Learning can be such fun.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 03:31:22 PM
Wow, you sound like such a victim. It must feel crazy to be blindsided like that.

Children, can you say today's DDF "word of the day"? Passive-aggressive. That's right. Now say it with me. Passive-aggressive.

Learning can be such fun.

I was passive-aggressive? No.

Passive-aggressive is when a person, e.g., stridently resurrects an old thread but then refuses to post anything in support of his strident position.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 27, 2016, 03:33:41 PM
I was passive-aggressive? No.

Passive-aggressive is when a person, e.g., strident resurrects an old thread but then refuses to post anything in support of his strident position.

I have not been following you around nor have i followed any of your "discussions" but one thing you have got to learn!

Not everything needs a response 
Title: Re: Dispute Credit pull?
Post by: TAVI on November 27, 2016, 04:54:20 PM
you obviously didn't read the entire thread

Unfortunately i did. but i have to say that i did only "glance through" some parts of it, as it did get quite repetitive at times, so it is possible i missed something specific you are referring to. 

having said that, i did not read any of the other thread discussions referred to above, so my overall assessment is based solely on what transpired in this thread. 
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 05:09:42 PM
Unfortunately i did. but i have to say that i did only "glance through" some parts of it, as it did get quite repetitive at times, so it is possible i missed something specific you are referring to. 

Sadly, you didn't miss anything specific. If you read comments #27 to #29 and then from #170 forward, you read the whole sorry thread.
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 27, 2016, 06:27:53 PM
Unfortunately i did. but i have to say that i did only "glance through" some parts of it, as it did get quite repetitive at times, so it is possible i missed something specific you are referring to. 

having said that, i did not read any of the other thread discussions referred to above, so my overall assessment is based solely on what transpired in this thread.
http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 http://forums.dansdeals.com/index.php?topic=7467.msg1604014#msg1604014
Just read these and tell me what you think
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 06:46:59 PM
http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 http://forums.dansdeals.com/index.php?topic=7467.msg1604014#msg1604014
Just read these and tell me what you think

The first link is to the statute. The second link is to some guy's erroneous opinion of the statute.

As anyone with decent reading comprehension will see, nothing in the statute says anything about hard vs. soft pulls, and sections (3)(F)(i) and (3)(F)(ii) give banks the right to pull an existing customer's credit at any time for purposes of account review.

This is where JTZ will come along and say, "But no banks actually do it!" — which wasn't the point. Banks don't often do hard pulls because they don't want to annoy existing customers, but it would be LEGAL for them to do it. Likewise, stores rarely give change in nickels and dimes, not because it's illegal, but because they don't want to annoy customers.

This really isn't hard; not sure why some people here insist on making it hard.
Title: Re: Dispute Credit pull?
Post by: TAVI on November 27, 2016, 08:28:22 PM
http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 http://forums.dansdeals.com/index.php?topic=7467.msg1604014#msg1604014
Just read these and tell me what you think

1st of all, thank you for the links, as there was truly 0 chance i was going to reread this thread :).

I do think that the statue itself listed in first link doesn't clearly address the issue, at least to an inexperienced layman like me, as it doesnt clarify what would be a valid reason for "account review" or the frequency with which such reviews can occur. Though i'm sure there are sub-statues or precedence that likely address these questions. I'm assuming that late / missed payment would for sure be one of those reasons.  Also, i'm sure there is other info dictating when hard / soft pulls can be used, and in my personal experience only soft pulls are used for account maintenance, but again its not clear from quoted text.

the lawsuit link seems more promising, and i agree that the general sense of the article does seem to be that financial institutions can't just hard pull when they want to, but based on below text, it sounded to me that the situation here wasn't banks pulling credit on existing customers as part of an account review process, but rather hard pulling prospective clients even though they haven't fully finalized the loan application, even after promising to soft pull them. Again, i'm by no means a lawyer, so maybe i'm just mis-interpreting the text.

   ((The settlement class includes anyone on whom SoFi ran a “hard” credit inquiry between Nov. 20, 2013, and Aug. 13, 2014, in connection with a student loan refinancing or a personal loan who never finished the process of funded a loan nor uploading the documentation.    The class action began with a complaint in November 2014 from consumer Shawn Heaton saying that SoFi falsely represented to prospective borrowers that it ran soft credit inquiries that wouldn’t affect a credit score, violating the FCRA and California’s Consumer Credit Reporting Agencies Act and Unfair Competition Law))

Just to be clear, although i'm of the opinion that banks can't just hard pull your credit (based on my personal experience and anecdotal evidence gathered from credit departments) and the fact that they just don't do it is good enough for me. Thus i do believe that a specific legal reason does exist, but don't think it has been presented in this thread yet.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 08:33:43 PM
Also, i'm sure there is other info dictating when hard / soft pulls can be used, and in my personal experience only soft pulls are used for account maintenance, but again its not clear from quoted text.

No. There's absolutely nothing, anywhere in credit law, that distinguishes between "hard" and "soft" credit pulls.

Quote
Just to be clear, although i'm of the opinion that banks can't just hard pull your credit (based on my personal experience and anecdotal evidence gathered from credit departments) and the fact that they just don't do it is good enough for me. Thus i do believe that a specific legal reason does exist, but don't think it has been presented in this thread yet.

We're back to where the thread started: If it's illegal for banks to make a so-called "hard" pull of one's credit for purposes of account review, it should be easy to cite the relevant statute(s) forbidding it.
Title: Re: Dispute Credit pull?
Post by: TAVI on November 27, 2016, 09:05:01 PM
No. There's absolutely nothing, anywhere in credit law, that distinguishes between "hard" and "soft" credit pulls.

We're back to where the thread started: If it's illegal for banks to make a so-called "hard" pull of one's credit for purposes of account review, it should be easy to cite the relevant statute(s) forbidding it.

JSK, I understand that you are looking for a hard "ink on paper" proof, and hopefully someone with credit law expertise can shed some light, if such exists, but it sure ain't me.

if i understand correctly, the counter-argument to your point is based on "inference" of bank / FI actions in reality and the assumption that it is based on legal precedence.

any-hows, its just credit law, not worth losing sleep over it :) 
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 09:16:53 PM
if i understand correctly, the counter-argument to your point is based on "inference" of bank / FI actions in reality and the assumption that it is based on legal precedence.

Sure, but after two months, no one has been able to cite a single statute that backs up their assumption.

(I agree that it's not worth losing sleep over.)
Title: Re: Dispute Credit pull?
Post by: hvaces42 on November 27, 2016, 10:16:01 PM
Sure, but after two months, no one has been able to cite a single statute that backs up their assumption.

(I agree that it's not worth losing sleep over.)
Maybe off topic...what year of law school are you currently in?
Your hangup with citing chapter and verse is very interesting.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 10:18:54 PM
Maybe off topic...what year of law school are you currently in?
Your hangup with citing chapter and verse is very interesting.

It's not a "hang up." You can't sue a bank without citing a law that was violated.
Title: Re: Dispute Credit pull?
Post by: hvaces42 on November 27, 2016, 10:23:28 PM
It's not a "hang up." You can't sue a bank without citing a law that was violated.
Really? There is a whole body of common law that is not codified which allow you to sue in equity rather than in law. You dont always need a statute.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 10:27:33 PM
Really? There is a whole body of common law that is not codified which allow you to sue in equity rather than in law. You dont always need a statute.

Then cite something in support. This isn't hard.
Title: Re: Dispute Credit pull?
Post by: hvaces42 on November 27, 2016, 10:48:48 PM
Then cite something in support. This isn't hard.
If you want to drive the wrong way on the freeway and call everyone else crazy thats your prerogative. No one has to cite anything for all of us to know that the bank cannot do what it wants. Pulling your credit lowers your credit score and affects your ability to obtain cheaper credit.  If you cant make a case out of that you shouldnt be practicing law. Equity dictates that its wrong. I would argue that case any day and twice on sunday (if the courthouse was open).

Im sure you can find many cases to back up the proposition that improperly affecting ones creditworthiness is actionable.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 10:56:07 PM
If you want to drive the wrong way on the freeway and call everyone else crazy thats your prerogative. No one has to cite anything for all of us to know that the bank cannot do what it wants. Pulling your credit lowers your credit score and affects your ability to obtain cheaper credit.  If you cant make a case out of that you shouldnt be practicing law. Equity dictates that its wrong. I would argue that case any day and twice on sunday (if the courthouse was open).

Im sure you can find many cases to back up the proposition that improperly affecting ones creditworthiness is actionable.

All you're doing is posting the same wrong argument that others have posted.

The relevant statute has been posted several times, nothing in the statute says anything about hard vs. soft pulls, and sections (3)(F)(i) and (3)(F)(ii) give banks the right to pull an existing customer's credit at any time for purposes of account review.

If you have something new to add, please post it. Otherwise, how about we don't go in the same circle for the 40th time?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 11:01:26 PM
The mistake is assuming because the FRCA does not state hard vs soft you can pull either. Courts have ruled that is not the case. The case cited was won because they were doing hard pulls. If they were doing soft pulls they would have lost. There would be no damage if they would have done soft pulls. At some point you need to use common sense.
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:02:42 PM
All you're doing is posting the same wrong argument that others have posted.

...

If you have something new to add, please post it. Otherwise, how about we don't go in the same circle for the 40th time?
That is what you are doing. Like a broken record.
Can you please respond to the comment you quoted? Put up or shut up.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:09:42 PM
The mistake is assuming because the FRCA does not state hard vs soft you can pull either. Courts have ruled that is not the case.

This is incredibly dishonest. You haven't cited a single case in which "courts have ruled" on this topic.

You cited one SETTLEMENT of a case that was TOTALLY DIFFERENT than the situation under discussion here.

Quote
The case cited was won because they were doing hard pulls. If they were doing soft pulls they would have lost. There would be no damage if they would have done soft pulls.

LOL. The case wasn't "won" at all; the case was settled. And the firm was wrong because it did hard-pull credit checks on PEOPLE WHO WEREN'T CUSTOMERS.

Quote
At some point you need to use common sense.

Physician, heal thyself.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:11:32 PM
That is what you are doing. Like a broken record.
Can you please respond to the comment you quoted? Put up or shut up.

Physician, heal thyself.

You haven't cited a single thing in support of the position you're trying to defend.
Title: Re: Dispute Credit pull?
Post by: hvaces42 on November 27, 2016, 11:13:38 PM
Your hangup with citation is childish. A good lawyer makes caselaw.
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:13:52 PM
Physician, heal thyself.

You haven't cited a single thing in support of the position you're trying to defend.
I'm not trying to defend any position.
 I'm trying to get you to follow and participate in a normal conversation, instead of repeating the exact same post dozens of times.

Again, please respond to the comment you quoted.
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:15:27 PM
Your hangup with citation is childish. A good lawyer makes caselaw.
To this he responds: "But citation" wah wah wah.


Pathetic.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:17:47 PM
Your hangup with citation is childish. A good lawyer makes caselaw.

This sounds like a concession that there's no existing case law to support your strident claims.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:18:44 PM
I'm not trying to defend any position.
 I'm trying to get you to follow and participate in a normal conversation, instead of repeating the exact same post dozens of times.

Again, please respond to the comment you quoted.

I have responded. I've asked them to cite a single piece of legislation or case law that supports their position. They can't.
Title: Re: Dispute Credit pull?
Post by: hvaces42 on November 27, 2016, 11:20:16 PM
This sounds like a concession that there's no existing case law to support your strident claims.
I wont waste my energy on a Google scholar search much less a real search. To quote a smart person upthread...its common sense. Get back to us all when your hangover wears off.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:21:24 PM
This is incredibly dishonest. You haven't cited a single case in which "courts have ruled" on this topic.

You cited one SETTLEMENT of a case that was TOTALLY DIFFERENT than the situation under discussion here.

LOL. The case wasn't "won" at all; the case was settled. And the firm was wrong because it did hard-pull credit checks on PEOPLE WHO WEREN'T CUSTOMERS.

Physician, heal thyself.
Someone here has been saying that the law has no distinction between hard and soft pulls. It wasn't me.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:21:49 PM
I wont waste my energy on a Google scholar search much less a real search. To quote a smart person upthread...its common sense. Get back to us all when your hangover wears off.

Yes, instead of simply winning the argument with a simple citation, you're appealing to "common sense" — in reply #212.

LOL.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 27, 2016, 11:22:47 PM
Yes, instead of simply winning the argument with a simple citation, you're appealing to "common sense" — in reply #212.

LOL.
you are getting boring...
Title: Re: Dispute Credit pull?
Post by: hvaces42 on November 27, 2016, 11:22:54 PM
LOL.

Yes, instead of simply winning the argument with a simple citation, you're appealing to "common sense" — in reply #___.
Life is not about winning. Especially this argument.
Title: Re: Dispute Credit pull?
Post by: Super Speed on November 27, 2016, 11:24:18 PM
you are getting boring...
LOL
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:24:33 PM
Someone here has been saying that the law has no distinction between hard and soft pulls. It wasn't me.

There is no distinction. The "hard pull" mention was surplusage.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:25:05 PM
you are getting boring...

And yet, here you are, still.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:27:11 PM
There is no distinction. The "hard pull" mention was surplusage.
Do you think the case cited would have had the same result had they been soft pulls?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 11:27:48 PM
In Heaton v. Social Finance Inc., the named plaintiffs alleged that SoFi, a student loan refinancing company, violated the FCRA by representing that they would only make “soft” credit pulls, which do not affect a consumer’s credit score, when SoFi obtained credit reports from Experian, but instead performed both “soft” and “hard” credit inquiries before the borrower had applied for a loan product.

If they would have done only a soft pull there would have not been a problem.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:28:12 PM
Life is not about winning. Especially this argument.

Sounds like you're not participating in good faith, then.

Better watch out for the people who were insisting that Dan and the mods get involved. They might even start a thread to try to get you banned.
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:28:36 PM
I have responded. I've asked them to cite a single piece of legislation or case law that supports their position. They can't.
OK, we are getting better. Keep it up!

If you notice, his argument was not that citation exists. It was that citation is unnecessary.

Now let's hear something other than : "but citation..."
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 11:28:59 PM
Do you think the case cited would have had the same result had they been soft pulls?
They would have lost.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:29:17 PM
Do you think the case cited would have had the same result had they been soft pulls?

The "case" didn't have a "result." The case was settled, which results in zero applicable "case law."
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:30:34 PM
In Heaton v. Social Finance Inc., the named plaintiffs alleged that SoFi, a student loan refinancing company, violated the FCRA by representing that they would only make “soft” credit pulls, which do not affect a consumer’s credit score, when SoFi obtained credit reports from Experian, but instead performed both “soft” and “hard” credit inquiries before the borrower had applied for a loan product.

If they would have done only a soft pull there would have not been a problem.

LOL.

Why are you citing a case that involved NON-CUSTOMERS?

I've corrected you about ten times. Sad to see someone this dishonest.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:31:44 PM
OK, we are getting better. Keep it up!

If you notice, his argument was not that citation exists. It was that citation is unnecessary.

Now let's hear something other than : "but citation..."

Citation is unnecessary? Is that how lawsuits work now?

"Your honor, my case speaks for itself. No citations are necessary. I move for summary judgment in plaintiffs' favor."

LOL.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:35:28 PM
LOL.

Why are you citing a case that involved NON-CUSTOMERS?

I've corrected you about ten times. Sad to see someone this dishonest.
If there is no difference between hard and soft pulls then why did that make a difference?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 11:36:25 PM
If there is no difference between hard and soft pulls then why did that make a difference?
That not a fair question.  ;)
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:36:32 PM
The "case" didn't have a "result." The case was settled, which results in zero applicable "case law."
Of course it had a result. A settlement is a result. Do you think the result would have been the same had they only fine soft pulls?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:36:50 PM
If there is no difference between hard and soft pulls then why did that make a difference?

Because, as has been pointed out about two dozen times, the PLAINTIFFS IN THAT CASE WEREN'T EXISTING CUSTOMERS OF THAT FIRM.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:38:07 PM
Because, as has been pointed out about two dozen times, the PLAINTIFFS IN THAT CASE WEREN'T EXISTING CUSTOMERS OF THAT FIRM.
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:38:32 PM
Of course it had a result. A settlement is a result. Do you think the result would have been the same had they only fine soft pulls?

Good grief.

That case involved CREDIT PULLS OF NON-CUSTOMERS.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:39:35 PM
Good grief.

That case involved CREDIT PULLS OF NON-CUSTOMERS.

so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:40:35 PM
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?

Did you read the damn statute that's been posted?

For about the 20th time, if a firm tells a NON-CUSTOMER that there will be no impact on the person's credit but then does a hard pull that impacts the person's credit, the NON-CUSTOMER has a cause of action. But an EXISTING CUSTOMER has no such cause of action, since sections (3)(F)(i) and (3)(F)(ii) of the applicable law grant account-review rights to the banks and other institutions.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:41:40 PM
Did you read the damn statute that's been posted?

If a firm tells a NON-CUSTOMER that there will be no impact on the person's credit but then does a hard pull that impacts the person's credit, the NON-CUSTOMER has a cause of action. But an EXISTING CUSTOMER has no such rights, since sections (3)(F)(i) and (3)(F)(ii) of the applicable law grant account-review rights to the banks and other institutions.
can you answer with a yes or no? It shouldn't be so difficult.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:42:21 PM
can you answer with a yes or no? It shouldn't be so difficult.

Reading #235 shouldn't be difficult, either.
Title: Re: Dispute Credit pull?
Post by: Freddie on November 27, 2016, 11:43:48 PM
Mods, this is insane. I haven't seen anybody clog multiple threads with such tenacity since the last guy to get banned. What is happening here?
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 27, 2016, 11:44:49 PM
Mods, this is insane. I haven't seen anybody clog multiple threads with such tenacity since the last guy to get banned. What is happening here?
its black friday and mods are on HT vacation
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:45:00 PM
Reading #235 shouldn't be difficult, either.
You keep equivocating. Why can't you give a straight answer that you won't be able to wiggle out of?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:45:42 PM
Mods, this is insane. I haven't seen anybody clog multiple threads with such tenacity since the last guy to get banned. What is happening here?

I'm "clogging" multiple threads? If I'm such a troll, it shouldn't be necessary for you to be so breathtakingly dishonest in your representations of my conduct here.
Title: Re: Dispute Credit pull?
Post by: Freddie on November 27, 2016, 11:46:16 PM
I'm "clogging" multiple threads? If I'm such a troll, it shouldn't be necessary for you to be so breathtakingly dishonest in your representations of my conduct here.

What are the other forums you used to post on?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:46:27 PM
You keep equivocating. Why can't you give a straight answer that you won't be able to wiggle out of?

There was zero equivocation. #235 couldn't be any clearer.
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:46:49 PM
Citation is unnecessary? Is that how lawsuits work now?

"Your honor, my case speaks for itself. No citations are necessary. I move for summary judgment in plaintiffs' favor."

LOL.

Silly. Citation *here* is unnecessary!!
You're not the judge and no one here is petitioning you.

It is patently obvious to everyone that a bank can't just harm customers.

That was the argument. You have said nothing yet but "cried citation"
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 27, 2016, 11:47:06 PM
I'm "clogging" multiple threads? If I'm such a troll, it shouldn't be necessary for you to be so breathtakingly dishonest in your representations of my conduct here.
I have not been following you around nor have i followed any of your "discussions" but one thing you have got to learn!

Not everything needs a response
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:47:38 PM
What are the other forums you used to post on?

Now who's "clogging" threads with off-topic nonsense?
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 27, 2016, 11:47:51 PM
What are the other forums you used to post on?
Look at post #278599  :P
Title: Re: Dispute Credit pull?
Post by: Freddie on November 27, 2016, 11:48:35 PM
Now who's "clogging" threads with off-topic nonsense?

You didn't get my joke but I'm sure others did.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:48:39 PM
Silly. Citation *here* is unnecessary!!
You're not the judge and no one here is petitioning you.

It is patently obvious to everyone that a bank can't just harm customers.

LOL. Great argument.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 11:49:04 PM
It is patently obvious to everyone that a bank can't just harm customers.
You mean anyone with common sense. I would love for a bank to do a hard pull on me for a review but they aren't that stupid.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:49:23 PM
There was zero equivocation. #235 couldn't be any clearer.
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 27, 2016, 11:50:11 PM
You didn't get my joke but I'm sure others did.
You should of just asked what other forums he was banned on. You have to spell things out.  ;)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:50:47 PM
You mean anyone with common sense. I would love for a bank to do a hard pull on me for a review but they aren't that stupid.

LOL. The guy who can't support his position with anything resembling a statute or case law says his hypothetical lawsuit is a slam dunk.

And *I'm* a troll. Sure.
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:52:37 PM
LOL. Great argument.


You respond to this  with lol?

So you clearly have absolutely nothing intelligent to contribute to this discussion besides for cry citation. Nice
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 27, 2016, 11:52:52 PM
LOL. The guy who can't support his position with anything resembling a statute or case law says his hypothetical lawsuit is a slam dunk.

And *I'm* a troll. Sure.
Ok  shut up already
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:52:59 PM
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?

I'm not saying it; the statute you posted here is saying it:

http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 (http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259)

You're arguing against your own citation. Utterly bizarre.
Title: Re: Dispute Credit pull?
Post by: Freddie on November 27, 2016, 11:53:16 PM
You should of just asked what other forums he was banned on. You have to spell things out.  ;)

http://forums.dansdeals.com/index.php?topic=61977.0
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:53:50 PM
LOL. The guy who can't support his position with anything resembling a statute or case law says his hypothetical lawsuit is a slam dunk.

And *I'm* a troll. Sure.
Coming from someone unwilling to pin himself to a precise position LOL
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 27, 2016, 11:54:17 PM
LOL. The guy who can't support his position with anything resembling a statute or case law says his hypothetical lawsuit is a slam dunk.

And *I'm* a troll. Sure.
Omg! Again, you ask for citation! Alol
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:54:58 PM
Coming from someone unwilling to pin himself to a precise position LOL

Why are you lying like this? My position in #235 couldn't be any clearer.
Title: Re: Dispute Credit pull?
Post by: aygart on November 27, 2016, 11:56:14 PM
I'm not saying it; the statute you posted here is saying it:

http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 (http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259)

You're arguing against your own citation. Utterly bizarre.
We will call that a yes since apparently you can't get closer than that. WHere in that statute is there a distinction between hard and soft pulls for non-existing customers?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 27, 2016, 11:59:12 PM
We will call that a yes. WHere in that statute is there a distinction between hard and soft pulls for non-existing customers?

It's illegal for a firm to pull the credit of a NON-CUSTOMER without a permissible purpose and/or explicit authorization. If I check some bank's site for pre-approvals and it promises me it won't affect my credit, I have the expectation that they won't affect my credit, and can sue if they do.

For existing customers, as I've mentioned about 30 times now, see sections (3)(F)(i) and (3)(F)(ii), which grant account-review rights to banks/institutions.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:00:16 AM
It's illegal for a firm to pull the credit of a NON-CUSTOMER without a permissible purpose.
Hard soft or both?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:01:20 AM
Hard soft or both?

Both. It's illegal for anyone to pull even a soft of your credit without a permissible purpose.
Title: Re: Dispute Credit pull?
Post by: rileywiles23 on November 28, 2016, 12:02:29 AM




Gosh, do you enjoy pissing people off ?!
What exactly is your endgame here?
Title: Re: Dispute Credit pull?
Post by: Yhgfkj on November 28, 2016, 12:02:51 AM
am I the only one how's getting tired from reviewing this arguments ?   
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:04:00 AM
Both. It's illegal for anyone to pull even a soft of your credit without a permissible purpose.
But you just wrote that the statute says that for non-existing customers there is a distinction between hard and soft?
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?
I'm not saying it; the statute you posted here is saying it:

http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 (http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259)

You're arguing against your own citation. Utterly bizarre.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:05:08 AM
am I the only one how's getting tired from reviewing this arguments ?   

I was happy to drop it two months ago. For reasons known only to him, JTZ resurrected it but steadfastly refuses* to post anything relevant in support of his position.

 
(* He and his buddies actually *can't* post anything in support, because such citations don't exist, but they're pretending to not post out of principle or something.)
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 12:06:46 AM
I was happy to drop it two months ago. For reasons known only to him, JTZ resurrected it but steadfastly refuses* to post anything relevant in support of his position.

 
(* He and his buddies actually *can't* post anything in support, because such citations don't exist, but they're pretending to not post out of principle or something.)
Ok i will say it again

SHUT UP
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:07:46 AM
But you just wrote that the statute says that for non-existing customers there is a distinction between hard and soft?

For about the hundredth time, the statute says nothing at all about hard vs. soft.

The lawsuit in question arose because a pre-qualifier-type site promised PROSPECTIVE CUSTOMERS — i.e., people who weren't customers of that firm yet — that there'd be no impact on one's credit but then performed hard pulls that affected their credit.
Title: Re: Dispute Credit pull?
Post by: Freddie on November 28, 2016, 12:07:58 AM
Ok i will say it again

SHUT UP

Did you vote yet? http://forums.dansdeals.com/index.php?topic=68912.0
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:08:20 AM
Ok i will say it again

SHUT UP
It would be very fitting for him to leave it with a contradiction between almost consecutive posts.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:09:38 AM
For about the hundredth time, the statute says nothing at all about hard vs. soft.

The lawsuit in question arose because a pre-qualifier-type site promised PROSPECTIVE CUSTOMERS — i.e., people who weren't customers of that firm yet — that there'd be no impact on one's credit but then performed hard pulls that affected their credit.
This is exactly why I wanted you to give a clear yes or no you are flipping back and forth.
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?
yes or no?
Title: Re: Dispute Credit pull?
Post by: churnbabychurn on November 28, 2016, 12:10:17 AM

Gosh, do you enjoy pissing people off ?!
What exactly is your endgame here?
Which quote of mine are you responding to?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 12:10:27 AM
Last Word Syndrome:
A compelling need to be the last person to speak during an argument or conversation; finishing an argument with a response of immaturity typically consisting of either repeating the last thing you said over and over until the other person stops talking, making whiny/baby noises, or childish name-calling.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:12:29 AM
This is exactly why I wanted you to give a clear yes or no you are flipping back and forth.

This is a bald-faced lie. I haven't flipped back and forth on anything. #235 couldn't be clearer, despite your dishonest claims to the contrary.

Quote
yes or no?

If a bank promises a NON-CUSTOMER that a credit check/prequalifier will have no impact on their credit and then they make a hard pull that impacts the person's credit, the person can sue. This has NEVER been in dispute, and it's entirely unclear why you're acting as if it has been.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:13:29 AM
This is a bald-faced lie. I haven't flipped back and forth on anything. #235 couldn't be clearer, despite your dishonest claims to the contrary.

If a bank promises a NON-CUSTOMER that a credit check/prequalifier will have no impact on their credit and then they make a hard pull that impacts the person's credit, the person can sue. This has NEVER been in dispute, and it's entirely unclear why you're acting as if it has been.
still no yes or no. It shouldn't be so hard.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:14:24 AM
Last Word Syndrome:
A compelling need to be the last person to speak during an argument or conversation; finishing an argument with a response of immaturity typically consisting of either repeating the last thing you said over and over until the other person stops talking, making whiny/baby noises, or childish name-calling.

Thanks. You had time to go find this but you haven't found time to find a citation to prove the point you stridently raised way back in comment #29?

LOL. Hilarious.
Title: Re: Dispute Credit pull?
Post by: beeweegee on November 28, 2016, 12:15:03 AM
Last Word Syndrome:
A compelling need to be the last person to speak during an argument or conversation; finishing an argument with a response of immaturity typically consisting of either repeating the last thing you said over and over until the other person stops talking, making whiny/baby noises, or childish name-calling.
FTFY
Title: Re: Dispute Credit pull?
Post by: Freddie on November 28, 2016, 12:16:04 AM
Thanks. You had time to go find this but you haven't found time to find a citation to prove the point you stridently raised way back in comment #29?

LOL. Hilarious.

Do you actually laugh out loud every time you write LOL? I'm calling BS on that. I think it's hyperbole, or lazy writing, and goes to establish your overall lack of credibility.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:16:20 AM
still no yes or no. It shouldn't be so hard.

It's not a "yes or no" question. It depends on the scenario.

If the non-customer is told there will be a soft pull but a hard is done, they can sue. But if the hard is disclosed upfront and then performed, they can't. Basic stuff.
Title: Re: Dispute Credit pull?
Post by: rileywiles23 on November 28, 2016, 12:16:38 AM
Which quote of mine are you responding to?
Sorry. Meant to quote this dud.


LOL. Hilarious.

Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:21:38 AM
It's not a "yes or no" question. It depends on the scenario.

If the non-customer is told there will be a soft pull but a hard is done, they can sue. But if the hard is disclosed upfront and then performed, they can't. Basic stuff.
If you are saying what I think you are for this second it is a yes or no.

No there is no distinction even for non existing customers.

In the case cited the issue is they made a misrepresentation that they would only do soft and has nothing to do with statute.

Is this what you are saying? Again yes or no. If you need to give an explanation do it after the yes or no please.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:24:14 AM
If you are saying what I think you are for this second it is a yes or no.

No there is no distinction even for non existing customers.

In the case cited the issue is they made a misrepresentation that they would only do soft and has nothing to do with statute.

Is this what you are saying? Again yes or no. If you need to give an explanation do it after the yes or no please.

You're doing what everyone is accusing me of doing, which is repeating the same thing over and over again just to be argumentative.

#235 speaks for itself. If you think it's wrong, say so and make your case.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:25:26 AM
You're doing what everyone is accusing me of doing, which is repeating the same thing over and over again just to be argumentative.

#235 speaks for itself. If you think it's wrong, say so and make your case.
You are still unwilling to pin yourself down. I'd what I wrote ac correct understanding or not.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:25:58 AM
You are still unwilling to pin yourself down. I'd what I wrote ac correct understanding or not.

I pinned myself down in #235.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:27:03 AM
I pinned myself down in #235.
Except that you already gave a few different interpretations of that. What is so difficult about a simple yes or no?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:27:37 AM
Except that you already gave a few different interpretations of that.

No, I haven't.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:29:21 AM
No, I haven't.
so maybe I am misunderstanding you. With a yes or no everyone would be clear.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:30:16 AM
so maybe I am misunderstanding you. With a yes or no everyone would be clear.

The average 5th-grader should have no problem understanding #235.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:31:17 AM
I pinned myself down in #235.
If you need a few sentences then it is not clear as a yes or no
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:32:10 AM
The average 5th-grader should have no problem understanding #235.
So why are you afraid to say yes or no?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:32:14 AM
If you need a few sentences then it is not clear as a yes or no

The points made in #235 are crystal clear to people with even average reading-comprehension skills.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:32:46 AM
So why are you afraid to say yes or no?

To which specific question?
Title: Re: Dispute Credit pull?
Post by: Freddie on November 28, 2016, 12:33:12 AM
To which specific question?

About the LOLs.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:34:24 AM
To which specific question?

so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:34:29 AM
About the LOLs.

I don't actually laugh out loud every time I post "LOL." Glad to clear that up for you.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:35:01 AM
About the LOLs.
ALOL
Title: Re: Dispute Credit pull?
Post by: Freddie on November 28, 2016, 12:35:58 AM
I don't actually laugh out loud every time I post "LOL." Glad to clear that up for you.
I rest my case.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:38:04 AM
@jsk I'm long past this discussion with you, but let me ask you a theoretical question. If someone were to default on payments 3 times in a row with a certain bank, would they be allowed to hard pull your credit to reassess? Would they?
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:39:08 AM
@jsk I'm long past this discussion with you, but let me ask you a theoretical question. If someone were to default on payments 3 times in a row with a certain bank, would they be allowed to hard pull your credit to reassess? Would they?
yes or no?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:39:16 AM
so you are saying that for non customers there is a distinction between hard and soft but not for existing customers?

Right, existing customers are subject to sections (3)(F)(i) and (3)(F)(ii) of the statute you posted while non-customers are not. This was covered roughly 200 comments ago.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 12:40:03 AM
Right, existing customers are subject to sections (3)(F)(i) and (3)(F)(ii) of the statute you posted while non-customers are not. This was covered roughly 200 comments ago.
Does that mean yes?
So for non customers there is a distinction between hard and soft?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:44:33 AM
@jsk I'm long past this discussion with you, but let me ask you a theoretical question. If someone were to default on payments 3 times in a row with a certain bank, would they be allowed to hard pull your credit to reassess?

Yes, the loan's servicer would be allowed, as was made clear over 200 comments ago. See section (3)(F)(ii) of the relevant statute posted here:

http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 (http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259)

Quote
Would they?

Who knows? Most loan issuers have flat-rate subscription access to soft pulls, so a hard would probably be a waste of time and/or money.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:45:44 AM
Yes, they'd be allowed, as was made clear over 200 comments ago. See section (3)(F)(ii) of the relevant statute posted here:

http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259 (http://forums.dansdeals.com/index.php?topic=7467.msg1604259#msg1604259)

Who knows? Most loan issuers have flat-rate subscription access to soft pulls, so a hard would probably be a waste of time and/or money.
Now let's say they were closing down said persons accounts after the 3 defaulted payments, wouldn't it make sense for them to do a hard pull first?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:47:52 AM
Now let's say they were closing down said persons accounts after the 3 defaulted payments, wouldn't it make sense for them to do a hard pull first?

Why would that "make sense"? The FICO score for the person in question would already be in the tank from the recent 90-day late. A hard pull on top of that would have, in practical terms, zero punitive value.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:49:32 AM
Why would that "make sense"? The FICO score for the person in question would already be in the tank from the recent 90-day late. A hard pull on top of that would have, in practical terms, zero punitive value.
Why are you assuming 90 day late? Let's assume the guy defaulted 3 payments on the same day for 3 different cards
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:51:25 AM
Why are you assuming 90 day late? Let's assume the guy defaulted 3 payments on the same day for 3 different cards

You said "default three times in a row" in your original comment. Now you're saying it was three missed payments at the same bank but none of them went even to 30 days late?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:52:36 AM
You said "default three times in a row" in your original comment. Now you're saying it was three missed payments at the same bank but none of them went even to 30 days late?
I said 3 times. Where did you deduce 3 months? And yes for theoretical purposes nothing ever went late
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:54:34 AM
I said 3 times. Where did you deduce 3 months? And yes for theoretical purposes nothing ever went late

Three loan payments usually means three months.

If you're saying someone missed three payments the same month but then got current and the person's credit report was clean, it's unlikely that shutdown would follow.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:55:28 AM
Three loan payments usually means three months.
I am not going off on a tangent here, just answer the damn question please
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:56:41 AM
Three loan payments usually means three months.

If you're saying someone missed three payments the same month but then got current and the person's credit report was clean, it's unlikely that shutdown would follow.
Missed payment ≠ defaulted payment
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:56:50 AM
I am not going off on a tangent here, just answer the damn question please

Which question?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:57:43 AM
Which question?
A person defaulted on 3 payments in one month. Would the bank do a hard pull before closing down their accounts?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:58:07 AM
Missed payment ≠ defaulted payment

And? Your original comment said "defaulted on payments three times in a row with a certain bank."
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 12:58:56 AM
And? Your original comment said "defaulted on payments three times in a row with a certain bank."

Missed payment ≠ defaulted payment

I am not going off on a tangent here, just answer the damn question please
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 12:59:06 AM
A person defaulted on 3 payments in one month. Would the bank do a hard pull before closing down their accounts?

I just answered this, in very clear terms, in #304. Why are you asking it again?
Title: Re: Dispute Credit pull?
Post by: george on November 28, 2016, 12:59:09 AM
Wow, wow, wow. @jsk, you seem like a very pleasant person to converse with. LOL.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:00:34 AM
I just answered this, in very clear terms, in #304. Why are you asking it again?
First of all I don't know what 304 is because I'm on tapatalk, and it clearly is the wrong post. Second of all, because your answer was under the assumption that the person had 90 days of late payments
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:02:13 AM
First of all I don't know what 304 is because I'm on tapatalk, and it clearly is the wrong post. Second of all, because your answer was under the assumption that the person had 90 days of late payments

You asked "Would they?" and I said, "Who knows? Most loan issuers have flat-rate subscription access to soft pulls, so a hard would probably be a waste of time and/or money."
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:03:21 AM
You asked "Would they?" and I said, "Who knows? Most loan issuers have flat-rate subscription access to soft pulls, so a hard would probably be a waste of time and/or money."
Why would it be a waste of time if they are considering shutting down said persons accounts?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:05:45 AM
Why would it be a waste of time if they are considering shutting down said persons accounts?

I said coding and/or paying for a hard pull might be a waste of time and/or money if they already had a subscription for soft-pull access, as almost all loan issuers do.

Are you even reading the replies, or just posting new replies as fast as you can?
Title: Re: Dispute Credit pull?
Post by: rileywiles23 on November 28, 2016, 01:08:46 AM



Are you even reading the replies, or just posting new replies as fast as you can?
LOL
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:12:28 AM
I said coding and/or paying for a hard pull might be a waste of time and/or money if they already had a subscription for soft-pull access, as almost all loan issuers do.

Are you even reading the replies, or just posting new replies as fast as you can?
I'm driving at a point but you keep on derailing yourself. Let me spell it out for you. This statute which you keep quoting in your defense implies that a FI has a right to pull your credit when reviewing your account. The biggest time that would be true is when they are planning on shutting someone down. So why wouldnt they hard-pull the credit?! To save a couple of bucks? Seriously? They are reviewing your account to shut it down and according to you are legally allowed to hard-pull your credit. Don't you think they would take your credit report into consideration before they shut you down?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:14:04 AM
This statute which you keep quoting in your defense implies that a FI has a right to pull your credit when reviewing your account.

The statute doesn't "imply" it; it says it explicitly, in words the average fifth-grader would understand.

Don't you think they would take your credit report into consideration before they shut you down?

Of course. You realize a soft pull gives the bank most if not all of the same info., right?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:15:57 AM
Of course. You realize a soft pull gives the bank the same info., right?
Not exactly the same. There's a reason they do a hard pull when applying for new credit.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:18:23 AM
Not exactly the same. There's a reason they do a hard pull when applying for new credit.

LOL. A soft pull gives enough info. for banks to make credit-related decisions, or else banks wouldn't be sending out credit offers based on soft pulls, would they?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:19:21 AM
LOL. A soft pull gives enough info. for banks to make credit-related decisions, or else banks wouldn't be sending out credit offers based on soft pulls, would they?
When was the last time you had a preapproved! Offer based on a soft pull?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:20:04 AM
LOL. A soft pull gives enough info. for banks to make credit-related decisions, or else banks wouldn't be sending out credit offers based on soft pulls, would they?
So now you're totally negating the difference between a soft and hard pull! OK so that's where the confusion lies
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:22:00 AM
When was the last time you had a preapproved! Offer based on a soft pull?

LOL. This is embarrassing.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:22:23 AM
So now you're totally negating the difference between a soft and hard pull! OK so that's where the confusion lies

Someone here is confused, but it's not me.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:27:16 AM
If this were true
LOL. A soft pull gives enough info. for banks to make credit-related decisions, or else banks wouldn't be sending out credit offers based on soft pulls, would they?
Then why would the banks waste their precious money on hard pulls when you apply for credit
I said coding and/or paying for a hard pull might be a waste of time and/or money if they already had a subscription for soft-pull access, as almost all loan issuers do.

Are you even reading the replies, or just posting new replies as fast as you can?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:31:36 AM
If this were trueThen why would the banks waste their precious money on hard pulls when you apply for credit

To signify to other banks that the person has applied for credit, in part to subtly discourage competitors from doing the same at that particular point in time. As you probably know, banks don't like it when people get a lot of new credit at the same time.

Are you still sticking to your claim that people don't get preapproved offers based on soft pulls? That was a real howler.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:34:25 AM
To signify to other banks that the person has applied for credit, in part to subtly discourage competitors from doing the same at that particular point in time. As you probably know, banks don't like it when people get a lot of new credit at the same time.

Are you still sticking to your claim that people don't get preapproved offers based on soft pulls? That was a real howler.
Aside from retail stores, if a person has no experience with a particular lender, I don't know of any "preapproved" offers. IME
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:41:37 AM
Aside from retail stores, if a person has no experience with a particular lender, I don't know of any "preapproved" offers. IME

Mailboxes across America are filled with soft-pull preapprovals every day.

(And the "aside from retail stores" and "experience with a lender" both disprove your point, anyway. The idea that Amex or Citi will preapprove more credit for an existing customer with a soft pull but would need a hard to decide on an account shutdown is just utterly silly.)
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:47:12 AM


Mailboxes across America are filled with soft-pull preapprovals every day.
Those are pre-something else. You are preapproved to apply. Please show me someone who got preapproved for an offer to a bank that they had never dealt with before.
Quote
(And the "aside from retail stores" and "experience with a lender" both disprove your point, anyway. The idea that Amex or Citi will preapprove more credit for an existing customer with a soft pull but would need a hard to decide on an account shutdown is just utterly silly.)
Why is it silly to say that an existing customer has a credit portfolio with the lender already? The biggest proof is that if you ever get shut down by a bank, they will hold that information against you long after it falls off your credit report. And yes for a FULL REVIEW of an account you would need to do a hard pull
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 01:53:01 AM
Those are pre-something else. You are preapproved to apply. Please show me someone who got preapproved for an offer to a bank that they had never dealt with before.

No, a lot of them are true preapprovals.

Quote
Why is it silly to say that an existing customer has a credit portfolio with the lender already? The biggest proof is that if you ever get shut down by a bank, they will hold that information against you long after it falls off your credit report. And yes for a FULL REVIEW of an account you would need to do a hard pull

You think a bank needs more info. to shut an account down than to EXTEND MORE UNSECURED CREDIT?

LOL.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 01:58:24 AM
No, a lot of them are true preapprovals.

You think a bank needs more info. to shut an account down than to EXTEND MORE UNSECURED CREDIT?

LOL.
Yes. I believe that before a bank would shut someone down, they would want to review the full credit report. As opposed to an existing lender who has a certain relationship with the customer, that may decide to extend more credit. In what way is it unsecured?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:06:43 AM
Yes. I believe that before a bank would shut someone down, they would want to review the full credit report. As opposed to an existing lender who has a certain relationship with the customer, that may decide to extend more credit.

So you actually *do* believe a bank would want more info. before lowering or eliminating a credit line than it would before extending MORE UNSECURED CREDIT?

Wow.

Quote
In what way is it unsecured?

What do you mean, "In what way is it unsecured"? It seemed obvious we were taking about credit cards here. Banks don't "shut down" car loans before repossessing the vehicle; likewise, they don't "shut down" mortgages without maintaining their interest in the home. Were you referring to some other type of loan in your hypothetical, when you referred to someone defaulting on three loans with one bank?

(And regardless, you claimed the defaults never made it to the person's credit report, so why would the full report factor into the hypothetical shutdown? The bank wouldn't have any additional derogatory info. than it already had internally.)
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:10:02 AM
So you actually *do* believe a bank would want more info. before lowering or eliminating a credit line than it would before extending MORE UNSECURED CREDIT?

Wow.

What do you mean, "In what way it it unsecured"? It seemed obvious we were taking about credit cards here. Banks don't "shut down" car loans before repossessing the vehicle; likewise, they don't "shut down" mortgages without maintaining their interest in the home.
Its a possibility. A bank that has a relationship with a customer will very often extend more "unsecured" credit without pulling the report (I.e. chase is notorious for raising credit limits without even asking, forget about hard-pulling). OTOH they better have a very good reason why they are closing down an account.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:11:18 AM
Its a possibility. A bank that has a relationship with a customer will very often extend more "unsecured" credit without pulling the report (I.e. chase is notorious for raising credit limits without even asking, forget about hard-pulling).

You know Chase — like Amex, and Citi, and just about every other major CC issuer — soft pulls cardholders on a regular basis, right?

Quote
OTOH they better have a very good reason why they are closing down an account.

Says who? Banks can close accounts whenever they want. There are shutdown threads right here on this site.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:11:55 AM
You know Chase — like Amex, and Citi, and just about every other major CC issuer — soft pulls cardholders on a regular basis, right?
Soft! Not hard! Were discussing hard!
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:13:25 AM
Soft! Not hard! Were discussing hard!

LOL. You don't seem to have any clue what you're even arguing.

You just seemed to argue that Chase gives CLI without pulling a report at all, which is nonsense. They obviously monitor their customers' credit reports closely.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:14:59 AM



Says who? Banks can close accounts whenever they want. There are shutdown threads right here on this site.

They would want a valid reason that they can pass off to the consumer, otherwise why can't the consumer open new accounts?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:16:29 AM

They would want a valid reason that they can pass off to the consumer, otherwise why can't the consumer open new accounts?

"After a recent review of your accounts, we have decided to end our relationship with you."

That's it. That's all a soon-to-be-former Chase customer gets.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:16:49 AM
LOL. You don't seem to have any clue what you're even arguing.

You just seemed to argue that Chase gives CLI without pulling a report at all, which is nonsense. They obviously monitor their customers' credit reports closely.
Stop responding and then editing your posts. Its getting super annoying! And yes my point was that to extend credit, most LI don't need to do a hard pull if you are an existing customer, because between the soft pull, and their own credit portfolio they have a pretty good idea.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:17:44 AM
Stop responding and then editing your posts. Its getting super annoying! And yes my point was that to extend credit, most LI don't need to do a hard pull if you are an existing customer, because between the soft pull, and their own credit portfolio they have a pretty good idea.

But they need to do a hard pull for a shutdown?

Come on.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:19:13 AM
But they need to do a hard pull for a shutdown?

Come on.
Did I say they need to? No. I said that it is very likely that they would do a hard pull (if allowed) just to cover all the bases
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:20:48 AM
Did I say they need to? No. I said that it is very likely that they would do a hard pull (if allowed) just to cover all the bases

It's clearly allowed, as per the statute that's now been cited roughly 40 times.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:23:10 AM
It's clearly allowed, as per the statute that's now been cited roughly 40 times.
It it were allowed, don't you think they would? Just to cover their bases? And if the whole thing according to you is just to penalize the consumer, why wouldn't they do it when shutting down an account? For a couple of bucks? Seriously?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:29:30 AM
It it were allowed, don't you think they would? Just to cover their bases?

Cover which bases? Banks can close an account for just about any reason they want, and they know plenty about their current accountholders from the soft pulls they do on a regular basis.

Quote
And if the whole thing according to you is just to penalize the consumer, why wouldn't they do it when shutting down an account? For a couple of bucks? Seriously?

Yes, seriously. What would be the point? There wouldn't be one.

If the person's credit is already bad, a hard pull would have a meaningless impact. And if the person's credit is clean but the account is being closed anyway, why throw salt in the wound?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:36:02 AM


And if the person's credit is clean but the account is being closed anyway, why throw salt in the wound?
Do you not understand the word penalize? Anyway, I gtg. Its well past my bedtime to be arguing with a troll
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:36:41 AM
Cover which bases? Banks can close an account for just about any reason they want, and they know plenty about their current accountholders from the soft pulls they do on a regular basis.

Yes, seriously. What would be the point? There wouldn't be one.

If the person's credit is already bad, a hard pull would have a meaningless impact. And if the person's credit is clean but the account is being closed anyway, why throw salt in the wound?
Stop editing your posts. Make up your mind BEFORE you post
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:43:50 AM
Do you not understand the word penalize? Anyway, I gtg. Its well past my bedtime to be arguing with a troll

I do understand the word "penalize." Closing someone's account after a minor and quickly cured default, or after no default at all, is a penalty in itself. There's no reason to throw salt in the wound.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 02:45:00 AM
Stop editing your posts. Make up your mind BEFORE you post

Don't be dishonest. I sometimes (quickly) add a sentence to the end of a comment but I don't go back and change the content or meaning of my comments.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 02:51:19 AM


Don't be dishonest. I sometimes (quickly) add a sentence to the end of a comment but I don't go back and change the content or meaning of my comments.

First of all, u do change the meaning sometimes. Here is one example. Second of all u edit posts that no one knows you edited so they can't properly respond. (When u edit a post there are no notifications),at least on tapa..

Of course. You realize a soft pull gives the bank most if not all of the same info., right?
(http://uploads.tapatalk-cdn.com/20161128/562e46221fd608c83198bbe7bb32897a.jpg)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:02:46 AM

First of all, u do change the meaning sometimes. Here is one example. Second of all u edit posts that no one knows you edited so they can't properly respond. (When u edit a post there are no notifications),at least on tapa..
(http://uploads.tapatalk-cdn.com/20161128/562e46221fd608c83198bbe7bb32897a.jpg)

LOL. I didn't change the meaning of that comment at all; I added a minor clarification.

Also, edited comments have an "edited" notation/timestamp on the website, so it's not like anything surreptitious is going on.
Title: Re: Dispute Credit pull?
Post by: noturbizniss on November 28, 2016, 07:04:08 AM
I've never had a discover card and have gotten pre approvals from them.
However if soft and hard pulls are the same then why do they still hard pull even with pre approvals
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 09:24:22 AM
It's illegal for anyone to pull even a soft of your credit without a permissible purpose.
Here is another 100% false statement. Softs are pulled all the time without you having anything to do with institution that is pulling the soft. Here is something you can do yourself to prove what I am saying is correct. Get a real copy of your CR and look under inquires. It will show soft and hard inquires. Under soft inquires you most likely see pulls you never gave permission to, they had a permissible purpose for or ever had anything to do with. Here are few under mine.

PRM-AAA AUTO CLUB GROUP 10/24/16
PRM-LIBERTY MUTUAL RESPONSE MARKET 10/21/16
PRM ONL-WYNDHAM VACATION OWNERSHIP 07/31/16

Most of you would say what is the big deal? Just let the troll keep trolling. The problem is he continually posts wrong information in this and other threads that can get members in trouble. When you correct him with facts he just keeps repeating the same BS over and over.

ETA: they had a permissible purpose for
Title: Re: Dispute Credit pull?
Post by: username on November 28, 2016, 09:26:59 AM
JTZ.

Um hate to point this out, but jsk never said that they need your permission. He just said that they need a permissible purpose.

Title: Re: Dispute Credit pull?
Post by: David Smith on November 28, 2016, 09:27:48 AM
Here is another 100% false statement. Softs are pulled all the time without you having anything to do with institution that is pulling the soft. Here is something you can do yourself to prove what I am saying is correct. Get a real copy of your CR and look under inquires. It will show soft and hard inquires. Under soft inquires you most likely see pulls you never gave permission to or ever had anything to do with. Here are few under mine.

PRM-AAA AUTO CLUB GROUP 10/24/16
PRM-LIBERTY MUTUAL RESPONSE MARKET 10/21/16
PRM ONL-WYNDHAM VACATION OWNERSHIP 07/31/16

Most of you would say what is the big deal? Just let the troll keep trolling. The problem is he continually posts wrong information in this and other threads that can get members in trouble. When you correct him with facts he just keeps repeating the same BS over and over.
That's a permissible purpose...



   (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation;
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 09:34:26 AM
That's a permissible purpose...



   (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation;
Remember he claims there is no distinction between a hard pull and a soft. That means they are allowed to pull a hard also by his logic?

I have no existing credit obligation with any of them.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 09:41:37 AM
JTZ.

Um hate to point this out, but jsk never said that they need your permission. He just said that they need a permissible purpose.
Added "they had a permissible purpose for" to make it more clear.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 10:26:22 AM
Right, existing customers are subject to sections (3)(F)(i) and (3)(F)(ii) of the statute you posted while non-customers are not. This was covered roughly 200 comments ago.
Does that mean yes?
So for non customers there is a distinction between hard and soft?
It is amazing how yes and no are so few letters yet you are having such difficulty writing either one of them. It is almost as if I was asking you to admit you were wrong.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:06:22 PM
Here is another 100% false statement. Softs are pulled all the time without you having anything to do with institution that is pulling the soft. Here is something you can do yourself to prove what I am saying is correct. Get a real copy of your CR and look under inquires. It will show soft and hard inquires. Under soft inquires you most likely see pulls you never gave permission to, they had a permissible purpose for or ever had anything to do with. Here are few under mine.

PRM-AAA AUTO CLUB GROUP 10/24/16
PRM-LIBERTY MUTUAL RESPONSE MARKET 10/21/16
PRM ONL-WYNDHAM VACATION OWNERSHIP 07/31/16

Most of you would say what is the big deal? Just let the troll keep trolling. The problem is he continually posts wrong information in this and other threads that can get members in trouble. When you correct him with facts he just keeps repeating the same BS over and over.

ETA: they had a permissible purpose for

LOL. Utterly embarrassing.

And *I'm* a dumb troll? Sure, buddy.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:09:58 PM
Remember he claims there is no distinction between a hard pull and a soft. That means they are allowed to pull a hard also by his logic?

I have no existing credit obligation with any of them.

FOR THE 50TH TIME, THERE'S NO DISTINCTION FOR *EXISTING* CUSTOMERS.

If you have "no existing credit obligation with any of them," then you're not an *existing customer,* are you?

This is basic stuff.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:10:59 PM
It is amazing how yes and no are so few letters yet you are having such difficulty writing either one of them. It is almost as if I was asking you to admit you were wrong.

I'm not wrong. If you believe #235 is wrong in any way, point it out.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 03:16:12 PM
I'm not wrong. If you believe #235 is wrong in any way, point it out.
Did you read what I wrote? Because your reply has nothing to do with it.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:17:25 PM
Did you read what I wrote? Because your reply has nothing to do with it.
Same with what I posted. He got caught with his BS.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:19:12 PM
Did you read what I wrote? Because your reply has nothing to do with it.

Yes, I read what you wrote. If you ask an explicit "yes or no" question, I'll be happy to answer it. But your earlier "yes or no" question was essentially two questions in one, making it impossible to give just one "yes or no" answer.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:19:47 PM
Same with what I posted. He got caught with his BS.

LOL. Are you insane? Even your buddies pointed out that you were dead wrong.

I'm seriously starting to think you suffer from some sort of mental derangement.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 28, 2016, 03:24:30 PM
LOL. Are you insane? Even your buddies pointed out that you were dead wrong.

I'm seriously starting to think you suffer from some sort of mental derangement.
Again, who are his "buddies"?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:24:51 PM
Even your buddies pointed out that you were dead wrong.
Why don't you go back to the CSR thread and tell more people to not call. Do you ever give correct advise?  :P

Mr LOL is the perfect name for you. LOL

Also who else you going to tell to know custom regulations for a GE app? Where do you get this crap from?
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 03:25:32 PM
Yes, I read what you wrote. If you ask an explicit "yes or no" question, I'll be happy to answer it. But your earlier "yes or no" question was essentially two questions in one, making it impossible to give just one "yes or no" answer.
For non customers there is a distinction between hard and soft?
Title: Re: Dispute Credit pull?
Post by: David Smith on November 28, 2016, 03:26:46 PM


FOR THE 50TH TIME, THERE'S NO DISTINCTION FOR *EXISTING* CUSTOMERS.

Mr. LOL would beg to differ with you.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:27:39 PM
Again, who are his "buddies"?

The people, like you, who contributed nothing of substance to the thread but obsessively sided with him like silly grade-schoolers during a playground fight.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:30:52 PM
Why don't you go back to the CSR thread and tell more people to not call. Do you ever give correct advise?  :P

Mr LOL is the perfect name for you. LOL

Also who else you going to tell to know custom regulations for a GE app? Where do you get this crap from?

LOL.

Trying to change the subject, huh? I don't blame you. One can only imagine how humiliated you must feel after excitedly posting your "gotcha" attempt in two threads, only to learn YOU were the one who was dead wrong.

Also, it's smart to wait on a Chase app unless the person is extremely confident of approval. There was nothing incorrect about that. And I never told anyone they needed to know customs regulations *for their Global Entry interview.* That's a bald-faced lie, and you know it.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:31:39 PM

Mr. LOL would beg to differ with you.

No, he wouldn't.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 28, 2016, 03:32:42 PM
The people, like you, who contributed nothing of substance to the thread but obsessively sided with him like silly grade-schoolers during a playground fight.
If you recall, this whole thing started with you and me in the chase recon thread.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 03:33:09 PM
Yes, I read what you wrote. If you ask an explicit "yes or no" question, I'll be happy to answer it. But your earlier "yes or no" question was essentially two questions in one, making it impossible to give just one "yes or no" answer.
For non customers there is a distinction between hard and soft?
C'mon you can manage. It is only 2 or 3 letters.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:34:22 PM
If you recall, this whole thing started with you and me in the chase recon thread.

Huh? "This whole thing started" in this thread, two months ago.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:35:50 PM
C'mon you can manage. It is only 2 or 3 letters.
You caught him. Just like I caught him. All he does is parrot what he has heard.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:37:43 PM
For non customers there is a distinction between hard and soft?

See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:38:58 PM
You caught him. Just like I caught him. All he does is parrot what he has heard.

Seriously, you should seek help for your mental health. You're clearly not well.

Multiple people corrected you above, but you're still doing a victory dance. Utterly bizarre behavior.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:39:44 PM
See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?
Non-customer who never gave consent or opted in.
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 28, 2016, 03:41:07 PM


LOL.
it's smart to wait on a Chase app unless the person is extremely confident of approval. There was nothing incorrect about that.
well that's only if you don't believe in the power of HUCA........

Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:43:38 PM
Non-customer who never gave consent or opted in.

That's not a question.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 03:44:28 PM
See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?
Someone who never gave any instructions about credit at all and never anyone any permission for anything but never explicitly revoked permission either.
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 28, 2016, 03:44:39 PM
That's not a question.
Now you're are being a real a**hole, you know the damn question answer yes or no
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 28, 2016, 03:45:07 PM
well that's only if you don't believe in the power of HUCA........
On a 7-10 day message it's usually best to wait, on 30 day or 2 week message, there's no reason not to call right away.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:45:32 PM
Now you're are being a real a**hole you know the damn question answer yes or no
He can't answered it because he is trapped.
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 28, 2016, 03:46:16 PM
On a 7-10 day message it's usually best to wait, on 30 day or 2 week message, there's no reason not to call right away.
Very true I'm just going back to his point
Title: Re: Dispute Credit pull?
Post by: username on November 28, 2016, 03:46:51 PM
well that's only if you don't believe in the power of HUCA........


DansDeals.com » Blog Archive » HUCA And DROPR Lessons; Don’t Forget To Finish Your Sapphire Reserve Travel Spending Before Your December Statement Prints! (http://www.dansdeals.com/archives/98287)
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:48:43 PM
DansDeals.com » Blog Archive » HUCA And DROPR Lessons; Don’t Forget To Finish Your Sapphire Reserve Travel Spending Before Your December Statement Prints! (http://www.dansdeals.com/archives/98287)
"Sometimes it can take 6 HUCAs:"
I guess he is going to tell DAN he is FOS.  :)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:48:47 PM
Now you're are being a real a**hole, you know the damn question answer yes or no

After all of their silly antics and pedantic "gotcha" attempts, I'm supposed to guess at their revised question?

No, thanks.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 03:49:33 PM
What an entertaining thread! And I just read the first 10 pages. Spicy.
Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.
If JTZ should admit he's wrong on the letter of the law, you should admit your advice is bad, because you explicitly state that it's a "waste of time" to bother minimizing hard pulls since FI's "can pull them anytime". Sure, they CAN pull them anytime, but they never do. So it is still worth it to minimize HP, no?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:50:45 PM
I actually feel sorry for this guy. He has knowledge of some things based on what others have said but refuses to use some common sense.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:51:01 PM
He can't answered it because he is trapped.

LOL. There was no question asked.

Also, are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:52:19 PM
I actually feel sorry for this guy. He has knowledge of some things based on what others have said but refuses to use some common sense.

You feel sorry for me?

LOL.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:54:22 PM
You feel sorry for me?
Yes, see how easy that was to answer yes or no.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 03:55:03 PM
See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?
Is there any at all in any case at all with no explicit instructions? Yes or no? THis is not so complicated!
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:55:22 PM
There was no question asked.
Why is it only you that is pretending to not know the question?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:55:32 PM
Yes, see how easy that was to answer yes or no.

I'll ask again: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:56:17 PM
Why is it only you that is pretending to not know the question?

Because you guys are incredibly dishonest. Ask your damn question and I'll answer it.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 03:58:12 PM
Because you guys are incredibly dishonest. Ask your damn question and I'll answer it.
I get you don't like me and that is fine. Why are you continually calling respected long time members here dishonest?
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 03:58:58 PM
:)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 03:59:52 PM
I get you don't like me and that is fine. Why are you continually calling respected long time members here dishonest?

It's very simple: If one doesn't want to be called dishonest, then one shouldn't act in a dishonest manner.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 04:00:04 PM
Because you guys are incredibly dishonest. Ask your damn question and I'll answer it.
Is there any at all in any case at all with no explicit instructions? Yes or no? THis is not so complicated!
You can do it........
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:01:31 PM
It's very simple: If one doesn't want to be called dishonest, then one shouldn't act in a dishonest manner.
I have read thousands of posts and you are the only one calling any of these members dishonest. You don't find that odd?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:01:51 PM
Is there any at all in any case at all with no explicit instructions? Yes or no? THis is not so complicated!

This barely rises to the level of gibberish.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:03:26 PM
I have read thousands of posts and you are the only one calling any of these members dishonest. You don't find that odd?

No.

But speaking of dishonest, I'll ask again, for the third time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: thaber on November 28, 2016, 04:05:36 PM
not to change the subject, but Citi just told me that to transfer a CL they do a hard pull. That seems outrageous, is it true?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:06:46 PM
not to change the subject, but Citi just told me that to transfer a CL they do a hard pull. That seems outrageous, is it true?

Not always true, but very often true.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:07:13 PM
No.
It would serve you best to read your answers again to the last few posts. It will give you some insight why you are having problems.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 04:07:25 PM
This barely rises to the level of gibberish.
LOL you are being intentionally evasive and then you want to know why yo are regarded the way you are? There is probably not a single person here who does not understand exactly what I am trying to ask as well as why you are simply refusing to give a simple yes or no.

Is there any distinction between hard and soft pulls in any case for a non existing customer other than due to a misrepresentation?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:08:20 PM
It would serve you best to read your answers again to the last few posts. It will give you some insight why you are having problems.

I'll ask again, for the fourth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:08:48 PM
not to change the subject, but Citi just told me that to transfer a CL they do a hard pull. That seems outrageous, is it true?
They are probably thinking of lowering one while applying for an increase in another. I think it's possible to xfer CL with Citi but at the very least it's difficult to do (not like Chase).
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:10:20 PM
LOL you are being intentionally evasive and then you want to know why yo are regarded the way you are? There is probably not a single person here who does not understand exactly what I am trying to ask as well as why you are simply refusing to give a simple yes or no.

Asked and answered, several times.

It's not my fault you can't seem to ask a coherent explicit question.

Quote
Is there any distinction between hard and soft pulls in any case for a non existing customer other than due to a misrepresentation?

A hard cannot be pulled on a NON-CUSTOMER without the non-customer's express advance consent.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:12:00 PM
A hard cannot be pulled on a NON-CUSTOMER without the non-customer's express advance consent.
Define cannot. Statute for that? I thought your stance was that hard = soft in the eyes of the law.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:13:51 PM
Define cannot. Statute for that?

Which part of "cannot" do you not understand?

Quote
I thought your stance was that hard = soft in the eyes of the law.

Yes, for *existing* customers. We're talking about a non-customer in the example you quoted.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 04:16:52 PM
A hard cannot be pulled on a NON-CUSTOMER without the non-customer's express advance consent.
Is that a yes or a no?
Is there any distinction between hard and soft pulls in any case for a non existing customer other than due to a misrepresentation?
YES OR NO?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:17:12 PM
Define cannot. Statute for that? I thought your stance was that hard = soft in the eyes of the law.
He claims they are the same in the eyes of FCRA (law). This is were he is talking out of both sides of his mouth.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 04:17:50 PM
Is that a yes or a no?YES OR NO?
OK not its your turn

Please just ignore him he does not know how to give a straight answer or shut up so please help him
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:18:26 PM
He claims they are the same in the eyes of FCRA (law). This is were he is talking out of both sides of his mouth.

LOL. You're a pathetically dishonest person.

Speaking of dishonesty, I'll ask again, for the fifth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:19:00 PM
A hard cannot be pulled on a NON-CUSTOMER without the non-customer's express advance consent.
..but a soft can. That should be a simple one.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 04:20:13 PM
LOL. You're a pathetically dishonest person.

Speaking of dishonesty, I'll ask again, for the fifth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
SHUT UP ALREADY you didnt get the hint yet
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:20:57 PM
..but a soft can. That should be a simple one.

Correct, unless the person has opted out of promotional offers.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:23:09 PM
Correct, unless the person has opted out of promotional offers.
So they can pull a soft any time they want if I never opted in?
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:25:38 PM
So they can pull a soft any time they want if I never opted in?
I can speak for a major FI (as most of you know), where I worked on data strategy until 6 months ago... Unless you opted out (ie freeze your report), your report will be pulled, as will everyone on all 3 bureaus in the monthly creation of their pre-approved mail file.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:26:30 PM
Which part of "cannot" do you not understand?

Yes, for *existing* customers. We're talking about a non-customer in the example you quoted.
My point was to highlight the legality of it... are you saying there is a difference, in law, for soft vs hard, when it comes to non-customers? Asking outing of curiosity and not trying to "get you".
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:28:30 PM
I can speak for a major FI (as most of you know), where I worked on data strategy until 6 months ago... Unless you opted out (ie freeze your report), your report will be pulled, as will everyone on all 3 bureaus in the monthly creation of their pre-approved mail file.
So here is the problem. Mr LOL claims the FCRA does not make a distinction between soft and hard pulls. So that means they can pull a soft or hard in this situation and that is 100% false. They are allowed to pull a soft but not a hard.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:31:34 PM
So here is the problem. Mr LOL claims the FCRA does not make a distinction between soft and hard pulls. So that means they can pull a soft or hard in this situation and that is 100% false. They are allowed to pull a soft but not a hard.
He might be right on the law, I don't know. But I do know this. There are grey areas/fine lines within the law/cfpb/etc and banks don't like getting hit with 9 digit fines so they may opt to be conservative. I can also say that projects have been shut down by FI's legal teams for failure to demonstrate strong permissible purpose. 
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:38:58 PM
There are grey areas/fine lines within the law/cfpb/etc and banks don't like getting hit with 9 digit fines so they may opt to be conservative.
I agree 100%. Earlier I said that is where the judge (courts) comes into play and says what they can and can't do. His typical response was "LOL".
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:43:01 PM
So they can pull a soft any time they want if I never opted in?

There's no such thing as "opting in." There's only opting out.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:44:16 PM
So they can pull a soft any time they want if I never opted in?
There's no such thing as "opting in." There's only opting out.
+1
Also, not "anytime they want", but rather, permissible purpose is required.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:44:39 PM
My point was to highlight the legality of it... are you saying there is a difference, in law, for soft vs hard, when it comes to non-customers? Asking outing of curiosity and not trying to "get you".

Yes, it's illegal for anyone to make a hard pull of a *non-customer's* credit file without the person's express advance consent.
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 28, 2016, 04:46:35 PM


DansDeals.com » Blog Archive » HUCA And DROPR Lessons; Don’t Forget To Finish Your Sapphire Reserve Travel Spending Before Your December Statement Prints! (http://www.dansdeals.com/archives/98287)

I know I was just going back to one of jsk points
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:46:42 PM
So here is the problem. Mr LOL claims the FCRA does not make a distinction between soft and hard pulls. So that means they can pull a soft or hard in this situation and that is 100% false. They are allowed to pull a soft but not a hard.

Man, you are an unbelievably dishonest person. It's just incredible to see the performance you're putting on here.

And speaking of dishonesty, I'll ask again, for the sixth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:48:28 PM
I agree 100%. Earlier I said that is where the judge (courts) comes into play and says what they can and can't do. His typical response was "LOL".

No, you don't agree. *I'm* the one who pointed out that banks often don't do things just to be conservative.

I can't believe how utterly dishonest you are. This is a pathetic display.
Title: Re: Dispute Credit pull?
Post by: Redbull3 on November 28, 2016, 04:51:36 PM
Anyone disagree with anything?

1. Banks need permissible purpose to pull (soft). Practically, major FI do this all the time for determining pre-approved population, for identifying spend engagement or credit line increase opportunities and a myriad of other projects.
2. As a consumer, you can freeze, which means that even with a permissible purpose, they can't pull your report for any of these reasons. As a result, you're unlikely to receive much marketing from them, and you definitely won't receive pre-approved offers. If you opt out of marketing (different from freezing your report) you literally will not get anything.
3. Banks could - but don't - do a hard pull on existing customers. Why they don't do this, even though they could, probably can be chalked up to erring on the side of caution especially with mounting pressures from consumer advocacy groups and government bodies in the entire credit arena. Fines have been flying. I can also confirm that FIs were pressured into supplying FICO scores.
4. Since banks don't do hard pulls unless you ASK them to (let alone all the time) it is certainly worth paying attention to your hard pulls - activites such as MBMs, refined these days to mean applying on same day with same bank, are still good ideas to reduce pulls. If you can eliminate a HP with a phone call, it's worth it.
5. Can y'all hug it out now?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 04:52:41 PM
Here is very simple one (two). Does the FCRA make a distinction between hard and soft pulls? Does it say anywhere they can do a hard pull for this and a soft pull for that.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 04:53:09 PM
Yes, it's illegal for anyone to make a hard pull of a *non-customer's* credit file without the person's express advance consent.
Did we finally get a yes?!?!?!?!?!?!?
So is there a distinction for a non-customer between hard and soft?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:55:15 PM
Anyone disagree with anything?

1. Banks need permissible purpose to pull (soft). Practically, major FI do this all the time for determining pre-approved population, for identifying spend engagement or identifying credit line increase opportunities and a myriad of other projects.
2. As a consumer, you can opt out, which means that even with a permissible purpose, they can't pull your report for any of these reasons. As a result, your unlikely to receive much marketing from them, and you definitely won't receive pre-approved offers. If you opt out of marketing (different from freezing your report) you literally will not get anything.
3. Banks could - but don't - do a hard pull on existing customers. Why they don't do this, even though they could, probably can be chalked up to erring on the side of caution especially with mounting pressures from consumer advocacy groups and government bodies in the entire credit arena. Fines have been flying. I can also confirm that FIs were pressured into supplying FICO scores.
4. Since banks don't do hard pulls unless you ASK them to (let alone all the time) it is certainly worth paying attention to your hard pulls - activites such as MBMs, refined these days to mean applying on same day with same bank, are still good ideas to reduce pulls. If you can eliminate a HP with a phone call, it's worth it.
5. Can y'all hug it out now?

Excellent recap. I made the point you made in #3 on page 1 or 2, but for reasons that remain unexplained, it became highly controversial.

My addendum to #3 would be that companies very often don't do things that are legal, for the simple reason that they don't like to annoy existing customers unnecessarily. Companies could give out change in only $1 bills, but they don't, because it would annoy people. Likewise, doing a hard pull of an existing customer's credit report for purposes of account review, while legal, could serve to annoy some of the more credit-savvy customers, so banks rarely do it.*


(* But not never. Just a few pages ago in this very thread, an example arose of Citi requiring a hard pull for a credit reallocation.)
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 04:56:23 PM
Here is very simple one (two). Does the FCRA make a distinction between hard and soft pulls? Does it say anywhere they can do a hard pull for this and a soft pull for that.

Asked and answered on PAGE 1 OF THE THREAD.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 04:58:30 PM
Asked and answered on PAGE 1 OF THE THREAD.
Are you incapable of giving a simple straight answer?
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 05:01:12 PM
Are you incapable of giving a simple straight answer?
That has been answered on page 1,2,3,4,5,6,7,8,9 :)
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:04:24 PM
Asked and answered on PAGE 1 OF THE THREAD.
Hopefully we can now have a straight forward discussion. Your answer on page 1 wasn't clear to me. It doesn't matter if you are an existing customer or not the FCRA does not make a distinction between a hard and soft pull? Do I have that correct?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:05:20 PM
Are you incapable of giving a simple straight answer?

No.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 05:06:32 PM
No.
Then you dont belong on DDF
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:07:02 PM
Hopefully we can now have a straight forward discussion. Your answer on page 1 wasn't clear to me. It doesn't matter if you are an existing customer or not the FCRA does not make a distinction between a hard and soft pull? Do I have that correct?

I'll ask again, for the seventh time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.

I see no reason to entertain further replies from you if you can't display even a modicum of basic honesty and decency in the face of a clear mistake.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:08:02 PM
Then you dont belong on DDF

Either this is a dumb attempt at a joke or someone needs to read more better.
Title: Re: Dispute Credit pull?
Post by: Luvtotravel on November 28, 2016, 05:08:54 PM
Either this is a dumb attempt at a joke or someone needs to read  better.
ftfy
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:10:04 PM
ftfy

Didn't need to be fixed. "Read more better" was part of the literacy joke.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:10:17 PM
I see no reason to entertain further replies from you if you can't display even a modicum of basic honesty and decency in the face of a clear mistake.
You mean like when you claimed I "filled up your PM's"? I will make you a deal. You give civil answers as I will and I will go back to look what you said about customs/GE.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:11:13 PM
You mean like when you claimed I "filled up your PM's"? I will make you a deal. You give civil answers as I will and I will go back to look what you said about customs/GE.

LOL. Yes, *I'm* the one who's been uncivil here.

I'm the one who's run off to at least three other threads to disparage other people in this thread. Right.

The sheer amount of dishonesty you've displayed in this thread has been a sight to see.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:17:11 PM
LOL. Yes, *I'm* the one who's been uncivil here.

I'm the one who's run off to at least three other threads to disparage other people in this thread. Right.

The sheer amount of dishonesty you've displayed in this thread has been a sight to see.
So I guess that is a no.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:17:51 PM
I'll ask again, for the seventh time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.

I see no reason to entertain further replies from you if you can't display even a modicum of basic honesty and decency in the face of a clear mistake.
He still hasn't gotten close to how many times you avoided giving a simple yes or no answer.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:19:07 PM
No.
Wow. So why are you avoiding doing so regarding credit pulls?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:24:06 PM
He still hasn't gotten close to how many times you avoided giving a simple yes or no answer.

Ask a coherent, explicit "yes or no" question and I'll be happy to give you a "yes or no" answer.

Your repeated failures to do so are a reflexion on you, not me.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:26:13 PM
Ask a coherent, explicit "yes or no" question and I'll be happy to give you a "yes or no" answer.

Your repeated failures to do so are a reflexion on you, not me.
Is there any distinction between hard and soft pulls in any case for a non existing customer other than due to a misrepresentation?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:39:58 PM
Is there any distinction between hard and soft pulls in any case for a non existing customer other than due to a misrepresentation?

What do you mean, "other than due to misrepresentation"?

It's illegal to make a hard pull of a non-customer's credit without express prior authorization. A bank can't hard-pull a non-customer's credit without their authorization, and they also can't say that a soft pull will be done — i.e., the "no impact to your credit" language on most pre-qualifier sites — and then make a hard pull that dings their credit.

This is basic stuff. I'm astonished that you keep rehashing it.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:41:55 PM
What do you mean, "other than due to misrepresentation"?

It's illegal to make a hard pull of a non-customer's credit without express prior authorization. A bank can't hard-pull a non-customer's credit without their authorization, and they also can't say that a soft pull will be done — i.e., the "no impact to your credit" language on most pre-qualifier sites — and then make a hard pull that dings their credit.

This is basic stuff. I'm astonished that you keep rehashing it.
So there is a distinction. Please provide a citation for such a distinction.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:42:51 PM
So there is a distinction. Please provide a citation for such a distinction.

You provided it yourself back on page 7 of the thread.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:43:22 PM
You provided it yourself back on page 7 of the thread.
You mean you can't show it?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:44:13 PM
You mean you can't show it?

You provided it yourself back on page 7 of the thread.

You want me to post it again? What game are you playing here?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:45:26 PM
You provided it yourself back on page 7 of the thread.
He posted from the FCRA. Are you now saying there is a distinction between hard and soft pulls in the FCRA?
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:45:31 PM
You provided it yourself back on page 7 of the thread.
Let's say I did. Whydoes that mean you can't show it or at least show us where there is and how you see such a distinction in what I quoted? Besides your page 7 and mine may not be the same.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:46:54 PM
What game are you playing here?
It is called who can give clear answers and meanwhile it is not you.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:48:16 PM
He posted from the FCRA. Are you now saying there is a distinction between hard and soft pulls in the FCRA?

There's a distinction between customer and non-customer.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:48:35 PM
Let's say I did. Whydoes that mean you can't show it or at least show us where there is and how you see such a distinction in what I quoted? Besides your page 7 and mine may not be the same.

LOL. This is pathetic.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:49:30 PM
It is called who can give clear answers and meanwhile it is not you.

Physician, heal thyself. Many of your comments barely rise to the level of gibberish.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:49:37 PM
There's a distinction between customer and non-customer.
Thank you I understand that. Now let me ask the question again.  Are you now saying there is a distinction between hard and soft pulls in the FCRA?
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:49:39 PM
LOL. This is pathetic.
Can't do it?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:50:07 PM
Thank you I understand that. Now let me ask the question again.  Are you now saying there is a distinction between hard and soft pulls in the FCRA?

I'll ask again, for the eighth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:50:53 PM
Can't do it?

Can't do what? Post the same damn thing for the 20th time?

Whatever game you're playing here, it's an incredibly boring one.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 05:51:16 PM
Ask a coherent, explicit "yes or no" question and I'll be happy to give you a "yes or no" answer.

Your repeated failures to do so are a reflexion on you, not me.
What do you mean, "other than due to misrepresentation"?

It's illegal to make a hard pull of a non-customer's credit without express prior authorization. A bank can't hard-pull a non-customer's credit without their authorization, and they also can't say that a soft pull will be done — i.e., the "no impact to your credit" language on most pre-qualifier sites — and then make a hard pull that dings their credit.

This is basic stuff. I'm astonished that you keep rehashing it.

Wow much smart put into this one
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:51:43 PM
Thank you I understand that. Now let me ask the question again.  Are you now saying there is a distinction between hard and soft pulls in the FCRA?
Bump for a simple answer.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:52:28 PM
Wow much smart put into this one

Another super contribution.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 05:55:38 PM
Another super contribution.
Thank you
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 05:55:56 PM
Bump for a simple answer.

LOL. You're like the poster boy for Dunning-Kruger.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 05:57:26 PM
Can't do what? Post the same damn thing for the 20th time?
To post a straight simple answer without equivocation. I assume you are referring to this post of mine. Where in this post are you finding a source for a distinction between hard and soft pulls for non-customers?

§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]
(3) To a person which it has reason to believe
    (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
    (B) intends to use the information for employment purposes; or
    (C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
    (D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
    (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
    (F) otherwise has a legitimate business need for the information
       (i) in connection with a business transaction that is initiated by the consumer; or
       (ii) to review an account to determine whether the consumer continues to meet the terms of the account.2
    (G) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.1

Review of an account
≠ whenever they want
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 05:59:48 PM
Thank you I understand that. Now let me ask the question again.  Are you now saying there is a distinction between hard and soft pulls in the FCRA?
Since Mr LOL refuses to answer I will do it for him. The answer is no and the reason he won't answer is because it blows his whole argument out of the water. Now watch him come back with a childish remark instead of facts.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:02:11 PM
To post a straight simple answer without equivocation. I assume you are referring to this post of mine. Where in this post are you finding a source for a distinction between hard and soft pulls for non-customers?

Is English not your first language or something?

That statute covers current customers and others who are taking affirmative steps to become a customer, tenant, employee, etc. It doesn't cover non-customers and other random people who are not covered by any of the preceding.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:02:54 PM
Since Mr LOL refuses to answer I will do it for him. The answer is no and the reason he won't answer is because it blows his whole argument out of the water. Now watch him come back with a childish remark instead of facts.

You've exposed yourself to be a filthy liar, and I don't need any filthy liars speaking on my behalf, thanks.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 06:03:36 PM
Is English not your first language or something?

That statute covers current customers and others who are taking affirmative steps to become a customer, tenant, employee, etc. It doesn't cover random people who are not covered by any of the preceding.
So you mean it is not in there? You had told us that it was. Then where is it?
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 06:04:32 PM
You've exposed yourself to be a filthy liar, and I don't need any filthy liars speaking on my behalf, thanks.
Now watch him come back with a childish remark instead of facts.
At least he is predictable.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:04:47 PM
So you mean it is not in there? You had told us that it was. Then where is it?

LOL.

Looks like I was right: English isn't your first language.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:05:34 PM
At least he is predictable.

I'll ask again, for the ninth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.
Title: Re: Dispute Credit pull?
Post by: JTZ on November 28, 2016, 06:06:42 PM
Now watch him come back with a childish remark instead of facts.
Looks like I was right: English isn't your first language.
Bingo!
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 06:07:01 PM
LOL.

Looks like I was right: English isn't your first language.
Now watch him come back with a childish remark instead of facts.
At least he is predictable.
LOL
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 06:12:27 PM
LOL.

Looks like I was right: English isn't your first language.
Are you able to show us a source that for non-customers there is a difference between hard and soft or not? You said it was in what I had quoted then when I asked you where in the quote you told me it refers to existing customers. So if that is not referring to non-customers where is the source?

Cite a statute. Still waiting ...
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:17:39 PM
Are you able to show us a source that for non-customers there is a difference between hard and soft or not? You said it was in what I had quoted then when I asked you where in the quote you told me it refers to existing customers. So if that is not referring to non-customers where is the source?

Man, this is getting dumber by the minute.

If it was legal for anyone to pull anyone's credit, customer or non-customer alike, then there wouldn't have been the need for the FCRA statute — which you kindly posted here way back on page 7 — to explicitly detail that only *existing customers* are subject to such credit pulls.

This is basic stuff that the average fifth-grader would be able to grasp.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 06:29:23 PM
Man, this is getting dumber by the minute.

If it was legal for anyone to pull anyone's credit, customer or non-customer alike, then there wouldn't have been the need for the FCRA statute — which you kindly posted here way back on page 7 — to explicitly detail that only *existing customers* are subject to such credit pulls.

This is basic stuff that the average fifth-grader would be able to grasp.
You mean you can't cite a source?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:55:11 PM
You mean you can't cite a source?

You already did, back on page 7.

A statute that makes a point of explicitly only covering *customers* definitionally doesn't cover *non-customers.*

This isn't hard.
Title: Re: Dispute Credit pull?
Post by: TAVI on November 28, 2016, 06:55:41 PM
Anyone disagree with anything?

1. Banks need permissible purpose to pull (soft). Practically, major FI do this all the time for determining pre-approved population, for identifying spend engagement or credit line increase opportunities and a myriad of other projects.
2. As a consumer, you can freeze, which means that even with a permissible purpose, they can't pull your report for any of these reasons. As a result, you're unlikely to receive much marketing from them, and you definitely won't receive pre-approved offers. If you opt out of marketing (different from freezing your report) you literally will not get anything.
3. Banks could - but don't - do a hard pull on existing customers. Why they don't do this, even though they could, probably can be chalked up to erring on the side of caution especially with mounting pressures from consumer advocacy groups and government bodies in the entire credit arena. Fines have been flying. I can also confirm that FIs were pressured into supplying FICO scores.
4. Since banks don't do hard pulls unless you ASK them to (let alone all the time) it is certainly worth paying attention to your hard pulls - activites such as MBMs, refined these days to mean applying on same day with same bank, are still good ideas to reduce pulls. If you can eliminate a HP with a phone call, it's worth it.
5. Can y'all hug it out now?

Excellent summary and an excellent example of how a true long time contributor should behave. Thank you
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 06:56:50 PM
You already did, back on page 7.

A statute that makes a point of explicitly only covering *customers* definitionally doesn't cover *non-customers.*

This isn't hard.
But where does it say there is a difference between hard and soft pulls?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 06:57:20 PM
But where does it say there is a difference between hard and soft pulls?

LOL. Asked and answered on PAGE 1 of the thread.

You've basically been trolling for many pages now. Hopefully someone here will convince you to stop.
Title: Re: Dispute Credit pull?
Post by: Super Speed on November 28, 2016, 07:11:20 PM
I can not believe this thread is still going on. Mods lock it?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 07:15:21 PM


You want me to post it again? What game are you playing here?



Can't do what? Post the same damn thing for the 20th time?

Whatever game you're playing here, it's an incredibly boring one.

For some reason you had no qualms about posting this SAME thing 20 times....

Also, are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



I'll ask again: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



Quote
I'll ask again, for the third time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



I'll ask again, for the fourth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



I'll ask again, for the fifth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



Quote
I'll ask again, for the sixth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



I'll ask again, for the seventh time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



I'll ask again, for the eighth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.



I'll ask again, for the ninth time: Are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.

Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 07:17:37 PM
For some reason you had no qualms about posting this SAME thing 20 times....

I only posted it nine times, as your quoting makes clear.

The careful reader will note that JTZ still hasn't had the integrity to admit he got caught in a lie.
Title: Re: Dispute Credit pull?
Post by: Yitzshpitz on November 28, 2016, 07:26:56 PM
I only posted it nine times, as your quoting makes clear.

The careful reader will note that JTZ still hasn't had the integrity to admit he got caught in a lie.

One way to inflate your post count...
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 07:33:06 PM
One way to inflate your post count...

Only losers care about their post count on some internet board. Give me a break.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 08:14:46 PM
LOL. Asked and answered on PAGE 1 of the thread.

You've basically been trolling for many pages now. Hopefully someone here will convince you to stop.
So now it moved from being in what I quoted on page 7 to having been answered on page 1. If it is there why don't you simply quote the answer and get it done with. You could end this by simply posting a citation. If you are not posting one it must be because you don't have one.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 08:19:29 PM
So now it moved from being in what I quoted on page 7 to having been answered on page 1. If it is there why don't you simply quote the answer and get it done with. You could end this by simply posting a citation. If you are not posting one it must be because you don't have one.

Take your pick: Read my comment(s) on page 1 and/or your legal citation on page 7.

You guys complain when I post the same things over and over, and now you're complaining because I won't post the same things over and over. Bizarre behavior.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 08:26:05 PM
Take your pick: Read my comment(s) on page 1 and/or your legal citation on page 7.

You guys complain when I post the same things over and over, and now you're complaining because I won't post the same things over and over. Bizarre behavior.
I had asked you where in my quote it makes a distinction between hard and soft pulls for non cutomers but you seem unable to find it. Just bring a citation and get it over with. First it takes you 50 posts to get to a simple yes or no (not quite there but close enough) how many will take now?

FTR, where did I complain about you posting the same thing over and over?
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 08:29:30 PM


You guys complain when I post the same things over and over, and now you're complaining because I won't post the same things over and over. Bizarre behavior.
Who's complaining? Just pointing out an obvious hypocrisy
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 08:29:41 PM
I had asked you where in my quote it makes a distinction between hard and soft pulls for non cutomers but you seem unable to find it. Just bring a citation and get it over with. First it takes you 50 posts to get to a simple yes or no (not quite there but close enough) how many will take now?

It doesn't need to distinguish between hard and soft for *non-customers* since it prohibits unauthorized pulling of credit of *non-customers* in the first place.

This is basic stuff in basic English. Not sure why you're making it so hard.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 08:30:03 PM
Who's complaining? Just pointing out an obvious hypocrisy

LOL.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 08:31:31 PM
It doesn't need to distinguish between hard and soft for *non-customers* since it prohibits unauthorized pulling of credit of *non-customers* in the first place.

This is basic stuff in basic English. Not sure why you're making it so hard.
LOL that is exactly why it should need to distinguish.
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 08:34:04 PM
LOL that is exactly why it should need to distinguish.

LOL. Are you kidding?

If it's flatly illegal to pull a non-customer's credit, why in the hell would the statute need to discern between the various types of credit pulls?

Chewing gum is illegal in Singapore. The relevant law doesn't list every brand of chewing gum.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 08:35:11 PM
LOL. Are you kidding?

If it's flatly illegal to pull a non-customer's credit, why in the hell would the statute need to discern between the various types of credit pulls?
You mean it is illegal to do soft pulls on non-customers?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 08:37:01 PM
You mean it is illegal to do soft pulls on non-customers?

Non-customers who have opted out? Yup.
Title: Re: Dispute Credit pull?
Post by: aygart on November 28, 2016, 08:37:49 PM
Non-customers who have opted out? Yup.
Do they need to opt out for hard pulls?
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 08:38:32 PM
Do they need to opt out for hard pulls?

LOL. Asked and answered, many pages ago.

This is a pathetic display you're putting on here. But *I'm* a troll? Sure thing.
Title: Re: Dispute Credit pull?
Post by: rileywiles23 on November 28, 2016, 08:41:03 PM
Yawn...........
Title: Re: Dispute Credit pull?
Post by: Freddie on November 28, 2016, 09:33:29 PM
This is insane.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 28, 2016, 10:25:54 PM
This is insane.
Do you know how Einstein defined insanity?
He defined it as doing the same thing over and over again and expecting different results. I'll leave you to figure out how to apply that here
Title: Re: Dispute Credit pull?
Post by: jsk173 on November 28, 2016, 10:37:28 PM
That's a weird quote for a main participant of the discussion to post on ... page 35.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 28, 2016, 11:41:07 PM
That's a weird quote for a main participant of the discussion to post on ... page 35.
If you haven't noticed by now, I've largely dropped out of this discussion.
Title: Re: Dispute Credit pull?
Post by: yakov116 on November 28, 2016, 11:45:29 PM
If you haven't noticed by now, I've largely dropped out of this stupidity.
FTFY
Title: Re: Dispute Credit pull?
Post by: username on November 28, 2016, 11:52:05 PM
"Roll Call"  (I know I'm early)
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 11:53:49 PM
"Roll Call"  (I know I'm early)
Wrong thread
Title: Re: Dispute Credit pull?
Post by: username on November 28, 2016, 11:55:33 PM
Wrong thread
Oh. Isn't this the 'Last Man Standing' thread?
Title: Re: Dispute Credit pull?
Post by: Freddie on November 28, 2016, 11:56:02 PM
Wrong thread

No, actually, I think this is the perfect thread.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 28, 2016, 11:56:48 PM
Oh. Isn't this the 'Last Man Standing' thread?
Well played.....
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 28, 2016, 11:57:12 PM
Oh. Isn't this the 'Last Man Standing' thread?
I see what u did there!
Title: Re: Dispute Credit pull?
Post by: JTZ on November 29, 2016, 12:29:21 AM
"Roll Call"  (I know I'm early)
Perfect timing
Yo yo yo
Title: Re: Dispute Credit pull?
Post by: yochiek93 on November 29, 2016, 12:44:40 AM
That's a weird quote for a main participant of the discussion to post on ... page 35.
Don't you mean page 53? Stop quoting page numbers! others have it set differently, if you want a specific post quote it.
Title: Re: Dispute Credit pull?
Post by: shulem92 on November 29, 2016, 12:45:54 AM
Don't you mean page 53? Stop quoting page numbers! others have it set differently, if you want a specific post quote it.
+53
Title: Re: Dispute Credit pull?
Post by: JTZ on November 29, 2016, 12:46:34 AM
+53
-17  :)
Title: Re: Dispute Credit pull?
Post by: JTZ on November 29, 2016, 01:23:21 AM
Can we get this moved to JS where it now belongs?
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 29, 2016, 01:40:37 AM
Can we get this moved to JS where it now belongs?
Mods haven't checked this forum in days.
Title: Re: Dispute Credit pull?
Post by: grodnoking on November 29, 2016, 02:02:41 AM
Here
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 29, 2016, 02:03:31 AM
Here
Title: Re: Dispute Credit pull?
Post by: JTZ on November 29, 2016, 02:04:17 AM
H
R
C
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 29, 2016, 02:36:08 AM
GN!
Title: Re: Dispute Credit pull?
Post by: JTZ on November 29, 2016, 02:40:09 AM
It is early.  :)
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 29, 2016, 02:52:46 AM
It is early.  :)
Sleep............
Title: Re: Dispute Credit pull?
Post by: JTZ on November 29, 2016, 02:53:35 AM
Night night.
Title: Re: Dispute Credit pull?
Post by: cubicles on November 29, 2016, 08:16:03 AM
sorry for disturbing the shmooze, any valuable info in this thread?
Title: Re: Dispute Credit pull?
Post by: mmgfarb on November 29, 2016, 08:24:37 AM
sorry for disturbing the shmooze, any valuable info in this thread?
Not really
Title: Re: Dispute Credit pull?
Post by: etech0 on November 29, 2016, 08:26:01 AM
sorry for disturbing the shmooze, any valuable info in this thread?
NO!
Title: Re: Dispute Credit pull?
Post by: David Smith on November 29, 2016, 08:29:50 AM

Title: Re: Dispute Credit pull?
Post by: Davidthebest on July 10, 2017, 06:15:57 PM
Applied  2 weeks ago for 2 business CC one after the other , (the blue business and the delta business), one was instantly approved the other one they put on pending, now few days later they say In order to see if they can approve for the second card they gota do an additional pull.
(Btw I do have 5 amex CC  already).
If they dont approve  me Would I be able to dispute the second pull claiming that they pulled already my report  once 2 weeks ago ?
Title: Re: Dispute Credit pull?
Post by: Pesach on January 22, 2018, 10:52:47 PM
got approved for the citi personal aa and then right away applied for a citi business aa ,system rejected it because of multiple applications for credit. was told by rep they didn't even pull a report on the business because the system rejected it immediately. however I see  on Equifax and Experian that they did pull report for business .is this an eror on the reps part? or do I need to dispute the inquiry?thank you
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on January 22, 2018, 10:58:44 PM
Applied  2 weeks ago for 2 business CC one after the other , (the blue business and the delta business), one was instantly approved the other one they put on pending, now few days later they say In order to see if they can approve for the second card they gota do an additional pull.
(Btw I do have 5 amex CC  already).
If they dont approve  me Would I be able to dispute the second pull claiming that they pulled already my report  once 2 weeks ago ?
Call them up (CRA) and see if they will merge the two. Use to be real easy to do but have not tried recently.
Title: Re: Dispute Credit pull?
Post by: PillanSmye on January 22, 2018, 11:04:11 PM
Call them up (CRA) and see if they will merge the two. Use to be real easy to do but have not tried recently.

Also,  people need to exercise caution lest they get a fraud alert added to all the CRA's.
Title: Re: Dispute Credit pull?
Post by: mmgfarb on January 22, 2018, 11:05:18 PM
Also,  people need to exercise caution lest they get a fraud alert added to all the CRA's.
What would trigger that?
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on January 22, 2018, 11:22:31 PM
What would trigger that?
Abuse. Disputing many times.
Title: Re: Dispute Credit pull?
Post by: PillanSmye on January 23, 2018, 09:37:52 AM
What would trigger that?

People saying something stupid.
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on November 07, 2018, 07:33:57 PM
Spoke to AT&T re switching to them. They asked for my social, I gave ONLY my b-day. Within minutes I got an alert from Credit Karma to an inquiry on Equifax by AT&T. Question- can they do a hard pull just with my name and b-day?? B. Can I argue to have that inquiry removed since I only agreed to a soft pull?? Equifax says only AT&T can remove it, it can't be "disputed".
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on November 08, 2018, 08:14:51 AM
They don't need your SS# to do a HP.
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on November 08, 2018, 09:27:20 AM
They don't need your SS# to do a HP.

Thanks. Can I argue for them to have it removed? Equifax says inquiries can't be disputed.
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on November 08, 2018, 09:46:41 AM
Thanks. Can I argue for them to have it removed? Equifax says inquiries can't be disputed.
Anything on your credit report can be disputed.
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on November 08, 2018, 09:50:23 AM
Anything on your credit report can be disputed.
I've seen this said elsewhere on DDF as well and I'd definitely think it's true as well.
I just had another inquiry a few days ago by VZW. I had never even spoken with them, let alone authorized an inquiry (I froze my credit to be cautious). Called Equifax, they said only VZW can tell them to remove it.
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on November 08, 2018, 09:53:31 AM
I've seen this said elsewhere on DDF as well and I'd definitely think it's true as well.
I just had another inquiry a few days ago by VZW. I had never even spoken with them, let alone authorized an inquiry (I froze my credit to be cautious). Called Equifax, they said only VZW can tell them to remove it.

Another issue is- I do plan on switching to AT&T and did give them my b-day but he said it's only a soft pull! I can say I never authorized a hard pull.
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on November 08, 2018, 09:57:47 AM
Most don't know the difference between a soft and hard pull so don't believe them.
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on November 22, 2018, 11:43:02 PM
Anything on your credit report can be disputed.
I tried disputing this unauthorized VZW inquiry with Equifax. Their response, on the phone and via mail, was that inquiries cannot be "disputed", they are " a factual record of file access", in other words- it happened and can't be disputed. But why the heck should I absorb a fraudulent hard pull?? Anything I can do here? Equifax says I need to contact VZW, when I spoke to VZW, they claimed they automatically notify Equifax of an inquiry in error. But it is still on my report- since Oct 30th. Any advice?
Title: Re: Dispute Credit pull?
Post by: Luvisrael on December 19, 2018, 02:24:05 PM
Just applied for a lease on a specific model vehicle. Got approved but than the leasing agent calls me back saying THE MODEL I APPROVED FOR ISNT AVAILBLE but he can offer a different model. who and how can i dispute this with? TIA
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on December 19, 2018, 02:30:24 PM
Just applied for a lease on a specific model vehicle. Got approved but than the leasing agent calls me back saying THE MODEL I APPROVED FOR ISNT AVAILBLE but he can offer a different model. who and how can i dispute this with? TIA

Which bureau did they pull from? You can read my posts above; I had the same with Equifax (unauthorized, likely fraudulent, pull by Verizon Wireless). It seems pretty tough to dispute a pull without the company who pulled it sending in a letter of deletion. In your case that should be the vehicle finance company i.e Nissan Finance etc. The leasing agent is just the middleman, who likely just lost your biz  >:( Good luck!
Title: Re: Dispute Credit pull?
Post by: Luvisrael on December 19, 2018, 03:12:56 PM
Which bureau did they pull from? You can read my posts above; I had the same with Equifax (unauthorized, likely fraudulent, pull by Verizon Wireless). It seems pretty tough to dispute a pull without the company who pulled it sending in a letter of deletion. In your case that should be the vehicle finance company i.e Nissan Finance etc. The leasing agent is just the middleman, who likely just lost your biz  >:( Good luck!
it was honda, but i dont know
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on December 19, 2018, 03:40:17 PM
it was honda, but i dont know

I'm not sure what you mean by "but I don't know". You can try contacting the bureau they pulled from. But more than likely you will need to request from Honda that they send a letter of deletion to the credit bureau- based on the fact that the salesman pulled your leg.
Title: Re: Dispute Credit pull?
Post by: Zalmy on December 19, 2018, 03:47:32 PM
Just applied for a lease on a specific model vehicle. Got approved but than the leasing agent calls me back saying THE MODEL I APPROVED FOR ISNT AVAILBLE but he can offer a different model. who and how can i dispute this with? TIA
I had this happen once and i was furious at the guy, never managed to do anything about it
Title: Re: Dispute Credit pull?
Post by: S209 on December 19, 2018, 03:50:45 PM
Just applied for a lease on a specific model vehicle. Got approved but than the leasing agent calls me back saying THE MODEL I APPROVED FOR ISNT AVAILBLE but he can offer a different model. who and how can i dispute this with? TIA
What a jerk! Are you halachically allowed to tell people who it was? Was it in Lakewood?
Title: Re: Dispute Credit pull?
Post by: grodnoking on December 19, 2018, 04:14:02 PM
What a jerk! Are you halachically allowed to tell people who it was? Was it in Lakewood?
Woah! Assumptions assumptions!
Title: Re: Dispute Credit pull?
Post by: Luvisrael on December 19, 2018, 04:16:13 PM
I'm not sure what you mean by "but I don't know". You can try contacting the bureau they pulled from. But more than likely you will need to request from Honda that they send a letter of deletion to the credit bureau- based on the fact that the salesman pulled your leg.
i mean i dont know which  credit bureau they pulled from
Title: Re: Dispute Credit pull?
Post by: LETSGOCUSTOM on December 19, 2018, 04:19:26 PM
How late does a payment have to be for capital one to report it
Title: Re: Dispute Credit pull?
Post by: Dovdovmoneytree on December 19, 2018, 04:21:56 PM
What a jerk! Are you halachically allowed to tell people who it was? Was it in Lakewood?

Unfortunately there are jerks everywhere! It is hard to get into their mindset sometimes. I mean; like what exactly are they thinking, who will do biz with them after a bait and switch like that?!
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on December 19, 2018, 04:24:25 PM
i mean i dont know which  credit bureau they pulled from
CK gives you reports from two of them (TU & EQ).
Title: Re: Dispute Credit pull?
Post by: Zalmy on December 19, 2018, 04:45:45 PM
Unfortunately there are jerks everywhere! It is hard to get into their mindset sometimes. I mean; like what exactly are they thinking, who will do biz with them after a bait and switch like that?!
It’s actually a common move in sales, based off of the concept of that you’re already in with the credit pulled, may as well get the other car from them
Title: Re: Dispute Credit pull?
Post by: Luvisrael on December 19, 2018, 06:43:03 PM
Unfortunately there are jerks everywhere! It is hard to get into their mindset sometimes. I mean; like what exactly are they thinking, who will do biz with them after a bait and switch like that?!
not sure if he knew, he went down to pick up the car and he’s like oh they don’t have any more of that model left. I’m not sure if he’s at fault or the Honda dealership
Title: Re: Dispute Credit pull?
Post by: Luvisrael on December 19, 2018, 06:43:44 PM
CK gives you reports from two of them (TU & EQ).
whats Ck?
Title: Re: Dispute Credit pull?
Post by: Luvisrael on December 19, 2018, 06:45:16 PM
i mean i dont know which  credit bureau they pulled from
anyone know who Honda pulls from? And how does it work, does it just show on that one buereu or do I now have to dispute all of them
Title: Re: Dispute Credit pull?
Post by: ChaimMoskowitz on December 19, 2018, 07:03:04 PM
whats Ck?
https://www.creditkarma.com/auth/logon