Author Topic: Dispute Credit pull?  (Read 36264 times)

Offline jsk173

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Re: Dispute Credit pull?
« Reply #45 on: November 26, 2016, 08:59:20 PM »
Are collection agencies allow to do pulls on your credit?

Yes, they are hard or soft.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #46 on: November 26, 2016, 09:02:35 PM »
Yes, they are hard or soft.
We both agree they are the scum of the earth, correct? Why wouldn't they just keep doing hard pulls on your credit to put pressure on you to pay. We know they don't care about their reputation. The reason they don't is because they can't.
"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 #47 on: November 26, 2016, 09:05:56 PM »
We both agree they are the scum of the earth, correct? Why wouldn't they just keep doing hard pulls on your credit to put pressure on you to pay. We know they don't care about their reputation. The reason they don't is because they can't.

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.

Offline jsk173

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Re: Dispute Credit pull?
« Reply #48 on: November 26, 2016, 09:07:38 PM »
By the way, all these months later, still waiting for a citation showing it's illegal for a bank to make a hard pull for account review or for a collection agency to make hard pulls. If I'm wrong, seems like it would be easy to prove. But it's all talk and zero citations from the DDF "experts." LOL.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #49 on: November 26, 2016, 09:12:13 PM »
By the way, all these months later, still waiting for a citation showing it's illegal for a bank to make a hard pull for account review or for a collection agency to make hard pulls. If I'm wrong, seems like it would be easy to prove. But it's all talk and zero citations from the DDF "experts." LOL.
You assume their has to rule for everything you can't do. FRCA does not cover everything and your reading of it does mean it is the correct reading. If you can't give one example of what you claim is allowed speaks volumes that you are wrong.
"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 #50 on: November 26, 2016, 09:15:59 PM »
You assume their has to rule for everything you can't do. FRCA does not cover everything and your reading of it does mean it is the correct reading. If you can't give one example of what you claim is allowed speaks volumes that you are wrong.

This is hilarious.

Banks aren't allowed to do hard pulls for account review, but there's no actual law or regulation?

LOL.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #51 on: November 26, 2016, 09:19:31 PM »
Banks aren't allowed to do hard pulls for account review,
Finally you understand.
"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 #52 on: November 26, 2016, 09:27:32 PM »
Finally you understand.

This doesn't even rise to the level of trolling. Sad effort.

Offline JTZ

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Re: Dispute Credit pull?
« Reply #53 on: November 26, 2016, 09:29:14 PM »
This doesn't even rise to the level of trolling. Sad effort.
All you need is one example that you can't provide. That is sad and proves you are wrong.
"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 #54 on: November 26, 2016, 09:31:53 PM »
All you need is one example that you can't provide. That is sad and proves you are wrong.

Example of what? You obviously think you're being clever, but it doesn't even rise to the level of trolling.

If I'm wrong, cite a statute. Put up or shut up.

Offline aygart

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Re: Dispute Credit pull?
« Reply #55 on: November 26, 2016, 09:32:32 PM »
This doesn't even rise to the level of trolling. Sad effort.

All you need is one example that you can't provide. That is sad and proves you are wrong.
He has yet to back up a single thing he has written in this forum. Why should this be the first?
The thing with the hamster is that running on the wheel is actually what it is trying to do.

Offline David Smith

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Re: Dispute Credit pull?
« Reply #56 on: November 26, 2016, 09:34:04 PM »
http://www.law360.com/articles/826789/sofi-pays-2-4m-to-settle-action-over-hard-credit-inquiries


You will notice (actually, someone with an iota of experience will notice) that whenever you call to do a CLI or recon that will entail a HP, they make sure you are aware and consent to this first.
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 #57 on: November 26, 2016, 09:34:33 PM »
Example of what? You obviously think you're being clever, but it doesn't even rise to the level of trolling.

If I'm wrong, cite a statute. Put up or shut up.
Do you understand no FI does it. What can't you understand? Try using a little common sense instead of hurling insults.
"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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"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 #59 on: November 26, 2016, 09:39:09 PM »
"That ends this one"?

LOL.

Cite a statute. Still waiting ...