Author Topic: Dispute Credit pull?  (Read 51641 times)

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 13368
  • Total likes: 8164
  • DansDeals.com Hat Tips 13
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Dispute Credit pull?
« Reply #220 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?
Feelings don't care about your facts

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Dispute Credit pull?
« Reply #221 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.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #222 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.

Offline churnbabychurn

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Jul 2012
  • Posts: 7273
  • Total likes: 289
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: Lakewood
Re: Dispute Credit pull?
« Reply #223 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..."

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Dispute Credit pull?
« Reply #224 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.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #225 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."

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #226 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.

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #227 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.

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 13368
  • Total likes: 8164
  • DansDeals.com Hat Tips 13
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Dispute Credit pull?
« Reply #228 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?
Feelings don't care about your facts

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1903
  • Total likes: 228
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Dispute Credit pull?
« Reply #229 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.  ;)
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 13368
  • Total likes: 8164
  • DansDeals.com Hat Tips 13
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Dispute Credit pull?
« Reply #230 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?
Feelings don't care about your facts

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #231 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.

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 13368
  • Total likes: 8164
  • DansDeals.com Hat Tips 13
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Dispute Credit pull?
« Reply #232 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?
Feelings don't care about your facts

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #233 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.

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 13368
  • Total likes: 8164
  • DansDeals.com Hat Tips 13
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Dispute Credit pull?
« Reply #234 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?
Feelings don't care about your facts

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #235 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.

Offline aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 13368
  • Total likes: 8164
  • DansDeals.com Hat Tips 13
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
Re: Dispute Credit pull?
« Reply #236 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.
Feelings don't care about your facts

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 588
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #237 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.

Offline Freddie

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Apr 2013
  • Posts: 3111
  • Total likes: 280
  • DansDeals.com Hat Tips 1
    • View Profile
  • Location: Pittsburgh
Re: Dispute Credit pull?
« Reply #238 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?

Offline yakov116

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: May 2014
  • Posts: 1510
  • Total likes: 101
  • DansDeals.com Hat Tips 1
  • Gender: Male
    • View Profile
Re: Dispute Credit pull?
« Reply #239 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
Money talks...mine says goodbye!