Author Topic: Dispute Credit pull?  (Read 36285 times)

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #15 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.
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Offline jsk173

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Re: Dispute Credit pull?
« Reply #16 on: September 16, 2016, 03:57:30 PM »
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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.

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #17 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?
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Offline jsk173

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Re: Dispute Credit pull?
« Reply #18 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.

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #19 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.
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READ THE DARN WIKI!!!!

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Offline jsk173

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Re: Dispute Credit pull?
« Reply #20 on: September 16, 2016, 04:46:24 PM »

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #21 on: September 16, 2016, 04:48:05 PM »
Another super contribution.
You would know, based on all your super contributions!
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline jsk173

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Re: Dispute Credit pull?
« Reply #22 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.

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #23 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
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline noturbizniss

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Re: Dispute Credit pull?
« Reply #24 on: September 16, 2016, 05:04:19 PM »
Nom nom nom nom. Yumm
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline jsk173

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Re: Dispute Credit pull?
« Reply #25 on: September 16, 2016, 07:37:40 PM »
I'm starting to see how you've racked up over 5,000 comments here.

Offline Jkhein

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Re: Dispute Credit pull?
« Reply #26 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.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #27 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?
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Offline jsk173

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Re: Dispute Credit pull?
« Reply #28 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.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #29 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.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(