Are you able to show us a source that for non-customers there is a difference between hard and soft or not? You said it was in what I had quoted then when I asked you where in the quote you told me it refers to existing customers. So if that is not referring to non-customers where is the source?
Man, this is getting dumber by the minute.
If it was legal for anyone to pull anyone's credit, customer or non-customer alike, then there wouldn't have been the need for the FCRA statute — which you kindly posted here way back on page 7 — to explicitly detail that only *existing customers* are subject to such credit pulls.
This is basic stuff that the average fifth-grader would be able to grasp.