I am a mortgage customer of XXXX XXXX XXXX. They are advertising on their main website that you can check for credit card offers, get a decision in less than 60 seconds, and there will be NO effect on your credit report/score. I filled out the information, expecting XXXX to do a soft pull on my report, but they pulled a hard copy credit report. I have the page printed that I am referring to, and also spoke online with one of their reps tonight. He said he would refer it to their main office. I have a copy of the main page as well as the online conversation I had with the rep. Unfortunately I ca n't get it to scan where you read it clearly.