Author Topic: Dispute Credit pull?  (Read 106615 times)

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #20 on: September 16, 2016, 04:46:24 PM »

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: Dispute Credit pull?
« Reply #21 on: September 16, 2016, 04:48:05 PM »
Another super contribution.
You would know, based on all your super contributions!
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #22 on: September 16, 2016, 05:00:54 PM »
You would know, based on all your super contributions!
You claimed I was wrong but refuse to provide a scintilla of support for your position. Lame.

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.

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: Dispute Credit pull?
« Reply #23 on: September 16, 2016, 05:04:02 PM »
You claimed I was wrong but refuse to provide a scintilla of support for your position. Lame.

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.
-1
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline noturbizniss

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2012
  • Posts: 7116
  • Total likes: 140
  • DansDeals.com Hat Tips 4
  • Gender: Male
    • View Profile
  • Location: North Jersey
Re: Dispute Credit pull?
« Reply #24 on: September 16, 2016, 05:04:19 PM »
Nom nom nom nom. Yumm
READ THE DARN WIKI!!!!

Chuck Norris...
...can still do FT method
...READS THE WIKI!!!

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #25 on: September 16, 2016, 07:37:40 PM »
I'm starting to see how you've racked up over 5,000 comments here.

Offline Jkhein

  • Dansdeals Presidential Platinum Elite
  • ********
  • Join Date: Oct 2010
  • Posts: 4586
  • Total likes: 17
  • DansDeals.com Hat Tips 4
    • View Profile
Re: Dispute Credit pull?
« Reply #26 on: September 19, 2016, 12:42:04 PM »
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.
They gave me a $100 statement credit and just sent me a letter to confirm that they have asked the reporting agencies to change the inquiry on my credit report to a non-display inquiry.

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1884
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Dispute Credit pull?
« Reply #27 on: November 25, 2016, 09:05:45 AM »
You simply don't know what you're talking about. An existing creditor can pull a person's credit whenever it wants.
Do you have examples of ones that do a hard pull without a valid reason?
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
Re: Dispute Credit pull?
« Reply #28 on: November 25, 2016, 03:12:15 PM »
Do you have examples of ones that do a hard pull without a valid reason?

The topic wasn't whether creditors routinely do it. The topic was whether a creditor *can* do it.

Most creditors don't pull hards for purposes of account review just because they don't want to annoy existing customers, but no matter how much message-board "experts" claim otherwise, there isn't anything in the federal banking or credit laws that says anything about a hard vs. a soft pull.

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1884
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
Re: Dispute Credit pull?
« Reply #29 on: November 25, 2016, 03:31:37 PM »
The topic wasn't whether creditors routinely do it. The topic was whether a creditor *can* do it.

Most creditors don't pull hards for purposes of account review just because they don't want to annoy existing customers, but no matter how much message-board "experts" claim otherwise, there isn't anything in the federal banking or credit laws that says anything about a hard vs. a soft pull.
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.
"LESS IS MORE" It is the cumulative effect that kills deals!!! How many times do I have to say this?  >:(

Offline jsk173

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
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

  • Dansdeals Lifetime Presidential Platinum Elite
  • *********
  • Join Date: Dec 2015
  • Posts: 8355
  • Total likes: 1110
  • DansDeals.com Hat Tips 4
    • View Profile
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

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1884
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
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

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1884
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
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

  • Dansdeals Platinum Elite + Lifetime Silver Elite
  • *****
  • Join Date: Aug 2016
  • Posts: 587
  • Total likes: 4
  • DansDeals.com Hat Tips 0
    • View Profile
  • Location: United States
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

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1884
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
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?  >:(

Online aygart

  • Dansdeals Lifetime 10K Presidential Platinum Elite
  • *******
  • Join Date: May 2008
  • Posts: 17397
  • Total likes: 14336
  • DansDeals.com Hat Tips 14
    • View Profile
    • Lower Watt Energy Brokers
  • Programs: www.lowerwatt.com
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.
Feelings don't care about your facts

Offline JTZ

  • Dansdeals Lifetime Platinum Elite
  • *******
  • Join Date: Apr 2016
  • Posts: 1884
  • Total likes: 230
  • DansDeals.com Hat Tips 1
    • View Profile
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?  >:(