Author Topic: Dispute Credit pull?  (Read 36344 times)

Offline jsk173

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Re: Dispute Credit pull?
« Reply #270 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.

Offline Freddie

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Re: Dispute Credit pull?
« Reply #271 on: November 28, 2016, 12:07:58 AM »

Offline aygart

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Re: Dispute Credit pull?
« Reply #272 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.
The thing with the hamster is that running on the wheel is actually what it is trying to do.

Offline aygart

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Re: Dispute Credit pull?
« Reply #273 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?
The thing with the hamster is that running on the wheel is actually what it is trying to do.

Offline churnbabychurn

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Re: Dispute Credit pull?
« Reply #274 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?

Offline JTZ

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Re: Dispute Credit pull?
« Reply #275 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.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

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Re: Dispute Credit pull?
« Reply #276 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.

Offline aygart

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Re: Dispute Credit pull?
« Reply #277 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.
The thing with the hamster is that running on the wheel is actually what it is trying to do.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #278 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.

Offline beeweegee

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Re: Dispute Credit pull?
« Reply #279 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

Offline Freddie

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Re: Dispute Credit pull?
« Reply #280 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.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #281 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.

Offline rileywiles23

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Re: Dispute Credit pull?
« Reply #282 on: November 28, 2016, 12:16:38 AM »
Which quote of mine are you responding to?
Sorry. Meant to quote this dud.


LOL. Hilarious.

Life is as good as you make it...

Offline aygart

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Re: Dispute Credit pull?
« Reply #283 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.
The thing with the hamster is that running on the wheel is actually what it is trying to do.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #284 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.