Author Topic: Dispute Credit pull?  (Read 36318 times)

Offline jsk173

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Re: Dispute Credit pull?
« Reply #30 on: November 25, 2016, 03:32:32 PM »
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.

I don't care what you asked. You resurrected a two-month-old discussion just to change the subject? No, thanks.

My comments in September were correct and I stand by them. (And the careful reader will note that no one has refuted them, despite all the snarky objections.)

Offline mmgfarb

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Re: Dispute Credit pull?
« Reply #31 on: November 25, 2016, 03:34:28 PM »
I don't care what you asked. You resurrected a two-month-old discussion just to change the subject? No, thanks.

My comments in September were correct and I stand by them.
You're being a d**k for no reason, JTZ asked a valid question. He wasn't trying to be difficult or argue with you, he just wanted to know if you knew of anyone that did hard pulls for no reason.
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline jsk173

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Re: Dispute Credit pull?
« Reply #32 on: November 25, 2016, 03:37:31 PM »
You're being a d**k for no reason, JTZ asked a valid question. He wasn't trying to be difficult or argue with you, he just wanted to know if you knew of anyone that did hard pulls for no reason.

Why are you following me all over the site, objecting to anything I say? Stop being a weirdo.

But just to play along, in this particular case, consolidating a credit line was indisputably a "valid reason" to pull one's credit.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #33 on: November 25, 2016, 04:49:06 PM »
I don't care what you asked. You resurrected a two-month-old discussion just to change the subject? No, thanks.
I am just trying to clarify that a FI can't just do hard pulls on you even if the FCRA does not explicitly state the difference between soft and hard pulls. They are allowed to do soft pulls as many FI's do.
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.
"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 #34 on: November 25, 2016, 05:17:54 PM »
I am just trying to clarify that a FI can't just do hard pulls on you even if the FCRA does not explicitly state the difference between soft and hard pulls. They are allowed to do soft pulls as many FI's do.

They're allowed to do hard pulls, too. If they weren't, someone would have been able to cite an applicable law by now.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #35 on: November 26, 2016, 08:15:59 PM »
They're allowed to do hard pulls, too. If they weren't, someone would have been able to cite an applicable law by now.
Name one FI's that does hard are pulls for stuff like regular reviews or whenever they want. Why is you can't name one?
"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 #36 on: November 26, 2016, 08:28:55 PM »
Name one FI's that does hard are pulls for stuff like regular reviews or whenever they want. Why is you can't name one?

Are you being obtuse on purpose?

For about the fifth time, the discussion wasn't whether banks routinely do hard pulls for purposes of account review; the discussion was whether it is *legal* for banks to do so which it is.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #37 on: November 26, 2016, 08:32:13 PM »
Are you being obtuse on purpose?

For about the fifth time, the discussion wasn't whether banks routinely do hard pulls for purposes of account review; the discussion was whether it is *legal* for banks to do so which it is.
If it is legal show me just one, not two three or more, just one FI that does it. You can't because they would get sued if they did and would lose. Better for you to stop before you dig the whole any deeper.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline aygart

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Re: Dispute Credit pull?
« Reply #38 on: November 26, 2016, 08:34:00 PM »
Name one FI's that does hard are pulls for stuff like regular reviews or whenever they want. Why is you can't name one?
Stop with the ad hominem attacks.
The thing with the hamster is that running on the wheel is actually what it is trying to do.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #39 on: November 26, 2016, 08:35:05 PM »
"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 #40 on: November 26, 2016, 08:47:46 PM »
If it is legal show me just one, not two three or more, just one FI that does it. You can't because they would get sued if they did and would lose. Better for you to stop before you dig the whole any deeper.

LOL.

I've already explained why they don't do it. But not doing something and being FORBIDDEN from doing something are two very different things.

If account-review hard pulls were illegal, one of you big experts would have been able to cite an applicable statute by now. Put up or shut up.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #41 on: November 26, 2016, 08:49:51 PM »
LOL.

I've already explained why they don't do it. But not doing something and being FORBIDDEN from doing something are two very different things.
You say it is legal but they don't do it.
I say they can't and you have yet to come up with one FI that does.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline aygart

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Re: Dispute Credit pull?
« Reply #42 on: November 26, 2016, 08:50:32 PM »
Hahahahahaha
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 #43 on: November 26, 2016, 08:56:50 PM »
You say it is legal but they don't do it.
I say they can't and you have yet to come up with one FI that does.

A lot of things are legal but not done for business reasons. It's legal to have TSA-style security at the door of your local Burger King, but they don't do it because it would anger and dissuade customers. This isn't tough.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #44 on: November 26, 2016, 08:58:05 PM »
A lot of things are legal but not done for business reasons. It's legal to have TSA-style security at the door of your local Burger King, but they don't do it because it would anger and dissuade customers. This isn't tough.
Are collection agencies allow to do pulls on your credit?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(