Author Topic: Dispute Credit pull?  (Read 36312 times)

Offline JTZ

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Re: Dispute Credit pull?
« Reply #90 on: November 27, 2016, 12:10:32 AM »
LOL. You don't have a court case; you have a settlement.

Still waiting for the citation to the alleged law you claim proves your point ...
You are going to wait a long time since I never claimed to produce some BS citation. Show the post where I said that will produce a citation?
What we do have is a court case proving my point exactly as I said would happen. What have you produced?  :P
"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 #91 on: November 27, 2016, 12:12:39 AM »
You are going to wait a long time since I never claimed to produce some BS citation. Show the post where I said that will produce a citation?

This is pathetic. You stridently insisted it was illegal for a bank to do a hard pull for purposes of account review for an existing customer. So where's the citation to the relevant law?

Quote
What we do have is a court case proving my point exactly as I said would happen. What have you produced?  :P

LOL. Pure nonsense. Your big "court case" was a totally different situation than the one being discussed here.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #92 on: November 27, 2016, 12:17:42 AM »
If they would have pulled a soft instead of hard that would not have been sued. You keep digging your hole deeper and deeper. If you know how to use Google you will find other cases.

What proof have you provided again?  :P
"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 #93 on: November 27, 2016, 12:21:38 AM »
If they would have pulled a soft instead of hard that would not have been sued. You keep digging your hole deeper and deeper. If you know how to use Google you will find other cases.

What proof have you provided again?  :P

This is so pathetic, I'm actually starting to feel sorry for you.

You claimed it's illegal for banks to make a hard pull for purposes of account review for an existing customer, so CITE THE RELEVANT STATUTE.

Seriously, if you care so much about not "trashing the thread," then either put up or shut up. Your four pages (!!) of non-responsive crap are enough.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #94 on: November 27, 2016, 12:23:18 AM »
I proved my point with a court case.
I am a little confused where did you provide proof of what you are saying?  :P
"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 #95 on: November 27, 2016, 12:27:40 AM »
I proved my point with a court case.

LOL. Is this trolling? Did you skip the last page?

Quote
I am a little confused where did you provide proof of what you are saying?  :P

How would you like me to prove this? There's no law that says it's legal to chew gum on Thursdays. Does that mean chewing gum is ILLEGAL on Thursdays? No.

If it's illegal for banks to make these hard pulls, as you've been claiming for five pages now, then there MUST BE A LAW THAT MAKES IT ILLEGAL — a law that you should easily be able to cite.

Put up or shut up.

Offline username

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Re: Dispute Credit pull?
« Reply #96 on: November 27, 2016, 12:33:02 AM »
LOL

They don't keep doing it because it costs them money, and because hard pulls are mostly irrelevant when a person already has derogatory entries on their credit reports.

This isn't tough.
FTFY.

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Re: Dispute Credit pull?
« Reply #97 on: November 27, 2016, 12:36:51 AM »

§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]
(3) To a person which it has reason to believe
    (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
    (B) intends to use the information for employment purposes; or
    (C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
    (D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
    (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; or
    (F) otherwise has a legitimate business need for the information
       (i) in connection with a business transaction that is initiated by the consumer; or
       (ii) to review an account to determine whether the consumer continues to meet the terms of the account.2
    (G) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.1

Review of an account
≠ whenever they want
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 #98 on: November 27, 2016, 12:39:51 AM »
§ 604. Permissible purposes of consumer reports [15 U.S.C. § 1681b]
(3) To a person which it has reason to believe
    (A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
    (B) intends to use the information for employment purposes; or
    (C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
    (D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
    (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; or
    (F) otherwise has a legitimate business need for the information
       (i) in connection with a business transaction that is initiated by the consumer; or
       (ii) to review an account to determine whether the consumer continues to meet the terms of the account.2
    (G) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.1

Review of an account
≠ whenever they want

LOL. So you found the statute but you're trying to dishonestly misrepresent it?

Sections 3(F)(i) and 3(F)(ii) are applicable to the situation being discussed.

Also, as I said about six pages ago, there isn't a damn thing in there that discerns "hard pull" from "soft pull."

Thanks for proving my point. I appreciate it.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #99 on: November 27, 2016, 12:43:53 AM »
Also, as I said about six pages ago, there isn't a damn thing in there that discerns "hard pull" from "soft pull."
That is where the judge comes into the picture. He will decide when it can be a hard or soft pull.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Online aygart

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Re: Dispute Credit pull?
« Reply #100 on: November 27, 2016, 12:44:30 AM »
LOL. So you found the statute but you're trying to dishonestly misrepresent it?

Sections 3(F)(i) and 3(F)(ii) are applicable to the situation being discussed.

Also, as I said about six pages ago, there isn't a damn thing in there that discerns "hard pull" from "soft pull."

Thanks for proving my point. I appreciate it.
None of that translates to
An existing creditor can pull a person's credit whenever it wants.
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 #101 on: November 27, 2016, 12:45:38 AM »
That is where the judge comes into the picture. He will decide when it can be a hard or soft pull.

Utterly hilarious.

The law says nothing about hard or soft pulls, but the judge will decide?

Yeah, sure.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #102 on: November 27, 2016, 12:46:52 AM »
None of that translates to

LOL. Where in that statute does it say a bank can only review someone's account at a specific interval?

You're basically lying through your teeth at this point.

A lot of people here suffer from a really embarrrasing lack of integrity. Sad.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #103 on: November 27, 2016, 12:48:07 AM »
The law says nothing about hard or soft pulls, but the judge will decide?

Yeah, sure.
I have a court cases to back up my position. What do you have again?  :P
"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 #104 on: November 27, 2016, 12:50:15 AM »
I have a court cases to back up my position. What do you have again?  :P

For someone who has claimed he doesn't want to "trash the thread," you sure do a lot of blatant trolling.

For about the fifth time, your big "court case" was regarding non-customers. Totally different set of facts.

The relevant statute was just posted above. This is where a person with integrity would simply say he was wrong and end the nonsense.