Author Topic: Dispute Credit pull?  (Read 36348 times)

Offline username

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Re: Dispute Credit pull?
« Reply #360 on: November 28, 2016, 09:26:59 AM »
JTZ.

Um hate to point this out, but jsk never said that they need your permission. He just said that they need a permissible purpose.

^^^

Offline David Smith

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Re: Dispute Credit pull?
« Reply #361 on: November 28, 2016, 09:27:48 AM »
Here is another 100% false statement. Softs are pulled all the time without you having anything to do with institution that is pulling the soft. Here is something you can do yourself to prove what I am saying is correct. Get a real copy of your CR and look under inquires. It will show soft and hard inquires. Under soft inquires you most likely see pulls you never gave permission to or ever had anything to do with. Here are few under mine.

PRM-AAA AUTO CLUB GROUP 10/24/16
PRM-LIBERTY MUTUAL RESPONSE MARKET 10/21/16
PRM ONL-WYNDHAM VACATION OWNERSHIP 07/31/16

Most of you would say what is the big deal? Just let the troll keep trolling. The problem is he continually posts wrong information in this and other threads that can get members in trouble. When you correct him with facts he just keeps repeating the same BS over and over.
That's a permissible purpose...



   (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation;
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline JTZ

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Re: Dispute Credit pull?
« Reply #362 on: November 28, 2016, 09:34:26 AM »
That's a permissible purpose...



   (E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation;
Remember he claims there is no distinction between a hard pull and a soft. That means they are allowed to pull a hard also by his logic?

I have no existing credit obligation with any of them.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline JTZ

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Re: Dispute Credit pull?
« Reply #363 on: November 28, 2016, 09:41:37 AM »
JTZ.

Um hate to point this out, but jsk never said that they need your permission. He just said that they need a permissible purpose.
Added "they had a permissible purpose for" to make it more clear.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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Re: Dispute Credit pull?
« Reply #364 on: November 28, 2016, 10:26:22 AM »
Right, existing customers are subject to sections (3)(F)(i) and (3)(F)(ii) of the statute you posted while non-customers are not. This was covered roughly 200 comments ago.
Does that mean yes?
So for non customers there is a distinction between hard and soft?
It is amazing how yes and no are so few letters yet you are having such difficulty writing either one of them. It is almost as if I was asking you to admit you were wrong.
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 #365 on: November 28, 2016, 03:06:22 PM »
Here is another 100% false statement. Softs are pulled all the time without you having anything to do with institution that is pulling the soft. Here is something you can do yourself to prove what I am saying is correct. Get a real copy of your CR and look under inquires. It will show soft and hard inquires. Under soft inquires you most likely see pulls you never gave permission to, they had a permissible purpose for or ever had anything to do with. Here are few under mine.

PRM-AAA AUTO CLUB GROUP 10/24/16
PRM-LIBERTY MUTUAL RESPONSE MARKET 10/21/16
PRM ONL-WYNDHAM VACATION OWNERSHIP 07/31/16

Most of you would say what is the big deal? Just let the troll keep trolling. The problem is he continually posts wrong information in this and other threads that can get members in trouble. When you correct him with facts he just keeps repeating the same BS over and over.

ETA: they had a permissible purpose for

LOL. Utterly embarrassing.

And *I'm* a dumb troll? Sure, buddy.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #366 on: November 28, 2016, 03:09:58 PM »
Remember he claims there is no distinction between a hard pull and a soft. That means they are allowed to pull a hard also by his logic?

I have no existing credit obligation with any of them.

FOR THE 50TH TIME, THERE'S NO DISTINCTION FOR *EXISTING* CUSTOMERS.

If you have "no existing credit obligation with any of them," then you're not an *existing customer,* are you?

This is basic stuff.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #367 on: November 28, 2016, 03:10:59 PM »
It is amazing how yes and no are so few letters yet you are having such difficulty writing either one of them. It is almost as if I was asking you to admit you were wrong.

I'm not wrong. If you believe #235 is wrong in any way, point it out.

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Re: Dispute Credit pull?
« Reply #368 on: November 28, 2016, 03:16:12 PM »
I'm not wrong. If you believe #235 is wrong in any way, point it out.
Did you read what I wrote? Because your reply has nothing to do with it.
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 #369 on: November 28, 2016, 03:17:25 PM »
Did you read what I wrote? Because your reply has nothing to do with it.
Same with what I posted. He got caught with his BS.
"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 #370 on: November 28, 2016, 03:19:12 PM »
Did you read what I wrote? Because your reply has nothing to do with it.

Yes, I read what you wrote. If you ask an explicit "yes or no" question, I'll be happy to answer it. But your earlier "yes or no" question was essentially two questions in one, making it impossible to give just one "yes or no" answer.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #371 on: November 28, 2016, 03:19:47 PM »
Same with what I posted. He got caught with his BS.

LOL. Are you insane? Even your buddies pointed out that you were dead wrong.

I'm seriously starting to think you suffer from some sort of mental derangement.

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Re: Dispute Credit pull?
« Reply #372 on: November 28, 2016, 03:24:30 PM »
LOL. Are you insane? Even your buddies pointed out that you were dead wrong.

I'm seriously starting to think you suffer from some sort of mental derangement.
Again, who are his "buddies"?
"JS [is] a fetid cesspool of unvarnished linguistic manure, with lots of useless drivel and post-padding." -Moishebatchy

Offline JTZ

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Re: Dispute Credit pull?
« Reply #373 on: November 28, 2016, 03:24:51 PM »
Even your buddies pointed out that you were dead wrong.
Why don't you go back to the CSR thread and tell more people to not call. Do you ever give correct advise?  :P

Mr LOL is the perfect name for you. LOL

Also who else you going to tell to know custom regulations for a GE app? Where do you get this crap from?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

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Re: Dispute Credit pull?
« Reply #374 on: November 28, 2016, 03:25:32 PM »
Yes, I read what you wrote. If you ask an explicit "yes or no" question, I'll be happy to answer it. But your earlier "yes or no" question was essentially two questions in one, making it impossible to give just one "yes or no" answer.
For non customers there is a distinction between hard and soft?
The thing with the hamster is that running on the wheel is actually what it is trying to do.