Currently, the box automatically soft credit this individual for gifts is always defaulted as "checked" and there is no option to turn this off as a business rule. This causes me nightmares and hours of work when generating hard dollar reports or Annual Report recognition; donor giving level reports. BB needs to make a fix so that this is an option. The only time the current org that I work for and all of the past orgs use soft credit is if a donor makes a gift or pledge payment through a non-profit foundation and even then, we have to do some fancy bookkeeping when creating financial reports. Please, I beg of you, create a fix so that this is an option, not a default.