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Re: Chase Sapphire Reserve Usually two or three days, tops, for charges to move from "pending" to "posted."
November 25, 2016, 06:24:56 PM
Re: Dispute Credit pull? 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.
November 26, 2016, 09:07:38 PM
Re: Dispute Credit pull?
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.)

November 28, 2016, 01:41:37 AM
Re: Should jsk173 be banned?
Cross posting from the credit thread.
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.


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.

LOL. My statement that you quoted was 100% CORRECT.

"Permissible purpose" doesn't mean that the person gave permission for the soft pull.

Seriously, you should get a clue before popping off in such a strident manner. Dozens of posts later and you still don't have the first clue of what the hell you're talking about.

(And by the way, I'm sure many of the people who read JTZ's comment above knew it was wrong. It's sad that none of JTZ's buddies had the strength of character to correct him.)

November 28, 2016, 03:03:06 PM