Says conflicting things about credit checks. I read they pull a hard inquiry from Experian, is that true for the "no credit check" payment options?

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Says conflicting things about credit checks. I read they pull a hard inquiry from Experian, is that true for the "no credit check" payment options?

asked by Mitchell K. on 12/6/19

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Long ago, I decided to abide by a self imposed policy of not buying things on credit. In so doing eliminated all of my debt and have been fairly good about holding true to the promise I made to myself. However, my studio needs are growing faster than my equipment can provide. I still don't wish to turn a liquidated debt into an unliquidated debt by virtue of getting bogged down with interest rates etc. ZZSounds claims not to charge interest on purchases and other associated fees appear clearly stated. Despite these claims, one who uses a traditional line of credit with one of the main credit card companies *would* nevertheless be charged interest on the purchase by that third-party credit card complany. A viable exception to this would be a pre-paid credit card via the same reputable third-party credit card company. This way there is a closer nexus to the clearly agreed upon amount the consumer owes and that represented by ZZSounds. Doing otherwise, involves a level of hidden financing on the part of the customer that he or she may not be cognizant he or she is doing through carrying and maintaining an outstanding balance (generally) on his or her credit card, including but not limited to that which he or she may owe ZZSounds per ZZ's agreement with them. You can see where one can put themselves behind the eight-ball here. It seems paying for the item outright or through an interest free devoted pre-paid card would be more prudent. Do you know whether ZZ accepts bona finde pre-paid credit cards (so long as it's issued by one of the accepted providers listed on the site)? The importance of the customer maintainIng a sufficiently high anticipatory line of funds notwithstanding, as a point that clearly goes without saying. Thank you for your help in clarifying this point.
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Donald P. · Answer 1 · 2022-10-02T07:17Z

I don't know who wrote the Experian lie. From what I'm gathering from "reviews", Zzounds has/is in the middle of an outright, SMEAR CAMPAIGN. They have no "hidden agenda." They, from my end, having ordered many times and always on a payment plan, have never sent me an, after the fact, email or an indiscriminate document I supposedly signed w/o reading about interest payments are to be paid immediately upon receipt of email. You don't sign anything. You make your first, slightly higher payment that covers processing. It's prudent and wise to vet claims that just sound too good to be true, they are legitimate from this site, irregardless of the one trusted advisor who might know a lot on the subject but clearly, not everything. It's termed, "in house" credit which mean, the company itself is showing faith in you even w/o knowing or even wanting to know, your score. If you don't pay, they eat it or, depending on the amount, it becomes a civil matter It's kinda sweet when you consider (and you have) how much fraud you have, especially on the web. In the past there were many more businesses willing to trust you at your word. Because more people felt like Scarface did about the two things, he don't break for no one. Zzounds is the REAL Musicians Friend.