Author Topic: Dispute Credit pull?  (Read 46426 times)

Offline aygart

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Re: Dispute Credit pull?
« Reply #380 on: November 28, 2016, 03:33:09 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?
C'mon you can manage. It is only 2 or 3 letters.
Feelings don't care about your facts

Offline jsk173

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Re: Dispute Credit pull?
« Reply #381 on: November 28, 2016, 03:34:22 PM »
If you recall, this whole thing started with you and me in the chase recon thread.

Huh? "This whole thing started" in this thread, two months ago.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #382 on: November 28, 2016, 03:35:50 PM »
C'mon you can manage. It is only 2 or 3 letters.
You caught him. Just like I caught him. All he does is parrot what he has heard.
"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 #383 on: November 28, 2016, 03:37:43 PM »
For non customers there is a distinction between hard and soft?

See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?

Offline jsk173

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Re: Dispute Credit pull?
« Reply #384 on: November 28, 2016, 03:38:58 PM »
You caught him. Just like I caught him. All he does is parrot what he has heard.

Seriously, you should seek help for your mental health. You're clearly not well.

Multiple people corrected you above, but you're still doing a victory dance. Utterly bizarre behavior.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #385 on: November 28, 2016, 03:39:44 PM »
See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?
Non-customer who never gave consent or opted in.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline yochiek93

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Re: Dispute Credit pull?
« Reply #386 on: November 28, 2016, 03:41:07 PM »


LOL.
it's smart to wait on a Chase app unless the person is extremely confident of approval. There was nothing incorrect about that.
well that's only if you don't believe in the power of HUCA........


Offline jsk173

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Re: Dispute Credit pull?
« Reply #387 on: November 28, 2016, 03:43:38 PM »
Non-customer who never gave consent or opted in.

That's not a question.

Offline aygart

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Re: Dispute Credit pull?
« Reply #388 on: November 28, 2016, 03:44:28 PM »
See, this is what I was talking about. The question needs to be more explicit. Are you talking about a non-customer who has given consent to a hard, given consent only to a soft (e.g., a pre-qualifier page), someone who opted in for promotional offers, or some other situation?
Someone who never gave any instructions about credit at all and never anyone any permission for anything but never explicitly revoked permission either.
Feelings don't care about your facts

Offline yochiek93

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Re: Dispute Credit pull?
« Reply #389 on: November 28, 2016, 03:44:39 PM »
That's not a question.
Now you're are being a real a**hole, you know the damn question answer yes or no

Offline mmgfarb

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Re: Dispute Credit pull?
« Reply #390 on: November 28, 2016, 03:45:07 PM »
well that's only if you don't believe in the power of HUCA........
On a 7-10 day message it's usually best to wait, on 30 day or 2 week message, there's no reason not to call right away.
"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 #391 on: November 28, 2016, 03:45:32 PM »
Now you're are being a real a**hole you know the damn question answer yes or no
He can't answered it because he is trapped.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline yochiek93

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Re: Dispute Credit pull?
« Reply #392 on: November 28, 2016, 03:46:16 PM »
On a 7-10 day message it's usually best to wait, on 30 day or 2 week message, there's no reason not to call right away.
Very true I'm just going back to his point

Offline username

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Offline JTZ

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"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 #395 on: November 28, 2016, 03:48:47 PM »
Now you're are being a real a**hole, you know the damn question answer yes or no

After all of their silly antics and pedantic "gotcha" attempts, I'm supposed to guess at their revised question?

No, thanks.

Offline Redbull3

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Re: Dispute Credit pull?
« Reply #396 on: November 28, 2016, 03:49:33 PM »
What an entertaining thread! And I just read the first 10 pages. Spicy.
Waste of time. Aside from the fact one credit pull is all but meaningless, existing creditors can pull your credit whenever they want, and the law makes no distinction between a hard pull or a soft pull.
If JTZ should admit he's wrong on the letter of the law, you should admit your advice is bad, because you explicitly state that it's a "waste of time" to bother minimizing hard pulls since FI's "can pull them anytime". Sure, they CAN pull them anytime, but they never do. So it is still worth it to minimize HP, no?

Offline JTZ

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Re: Dispute Credit pull?
« Reply #397 on: November 28, 2016, 03:50:45 PM »
I actually feel sorry for this guy. He has knowledge of some things based on what others have said but refuses to use some common sense.
"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 #398 on: November 28, 2016, 03:51:01 PM »
He can't answered it because he is trapped.

LOL. There was no question asked.

Also, are you retracting the bald-faced lie you posted above? You know damn well that I never told anyone they needed to know Customs regulations for their Global Entry interview. You're lying through your teeth to change the subject after you got humiliated.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #399 on: November 28, 2016, 03:52:19 PM »
I actually feel sorry for this guy. He has knowledge of some things based on what others have said but refuses to use some common sense.

You feel sorry for me?

LOL.