Archive for the ‘ Fair Credit Reporting Act issues ’ Category

Its a small thing to plead but failure to plead it can lead to dismissal of your case

Gary Nitzkin March 9th, 2010 No Comments

Attorneys, when you file a complaint under the Fair Credit Reporting Act (“FCRA”), be sure that you can make the following allegations in good faith: a. Your client posited its consumer dispute with the credit reporting agency (and not just the creditor/furnisher directly). You or your client’s failure to notify the credit reporting agency of [...]

Whoa..the Piggy back ride is over…

Gary Nitzkin July 18th, 2007 Comments Off

I just read a great article about changes coming to FICO scores this September. Pat Earnhard reports that the practice of using someone else’s credit score to boost one’s own will be curbed by the Fair Isaac Company, the progenitor of the omniscient FICO score. Most credit grantors use the FICO score to determine whether [...]

End of the credit Piggy back ride?

Gary Nitzkin June 16th, 2007 Comments Off

An article in Bank Lawyer’s Blog talks about piggybacking credit being “the latest and greatest” way to improve one’s FICO score. With Piggybacking, someone with a subprime score (“a Subprime Risk”) can become an authorized user of someone else’s credit without actually being authorized to incur credit on the better credit risk’s (“BCE”) accounts. The [...]

Firm Offer of Credit does not have to be quite so firm

Gary Nitzkin June 13th, 2007 Comments Off

The Fair Credit Reporting Act (“FCRA“) allows potential credit grantors to get your name and address from a credit reporting agency (“CRA”) in order to send you a firm offer of credit, if you meet certain criteria. So just what is a firm offer of credit? In the 6th Circuit, that issue is not quite [...]

Wow…$2.6 million in punitive damages cut to a scant $400k

Gary Nitzkin May 21st, 2007 Comments Off

The 6th Circuit has just decided, for the second time, Bach v First Union National Bank. I was very surprised to see the court of appeals cut the punitive damages awarded by an obviously outraged jury from $2.6 million down to $400,000. Ms.Bach obvious had a good case for violation of the Fair Credit Reporting [...]

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