Author Topic: Dispute Credit pull?  (Read 45170 times)

Offline jsk173

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Re: Dispute Credit pull?
« Reply #260 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.

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Re: Dispute Credit pull?
« Reply #261 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

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?
Feelings don't care about your facts

Offline jsk173

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Re: Dispute Credit pull?
« Reply #262 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.

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Re: Dispute Credit pull?
« Reply #263 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?
Feelings don't care about your facts

Offline jsk173

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Re: Dispute Credit pull?
« Reply #264 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.

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Re: Dispute Credit pull?
« Reply #265 on: November 28, 2016, 12:02:29 AM »




Gosh, do you enjoy pissing people off ?!
What exactly is your endgame here?
Life is as good as you make it...

Offline Yhgfkj

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Re: Dispute Credit pull?
« Reply #266 on: November 28, 2016, 12:02:51 AM »
am I the only one how's getting tired from reviewing this arguments ?   

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Re: Dispute Credit pull?
« Reply #267 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

You're arguing against your own citation. Utterly bizarre.
Feelings don't care about your facts

Offline jsk173

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Re: Dispute Credit pull?
« Reply #268 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.)

Online yakov116

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Re: Dispute Credit pull?
« Reply #269 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
Money talks...mine says goodbye!

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 »

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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.
Feelings don't care about your facts

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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?
Feelings don't care about your facts

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.

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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.
Feelings don't care about your facts

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