"You have been prescreened, and qualify for a car loan" or "You have been prescreened and qualify for a $1000 loan"Fair Credit Reporting Act Claims - Credit History Violations
The Fair Credit Reporting Act (FCRA) permits companies to access certain information about your credit history for purposes of making a "firm offer of credit". However, some companies send mailers or e-mails stating that they prescreened your credit and you qualify for a loan, but are empty promises or not firm offers of credit. These companies may be in violation of the FCRA, and you may be entitled to compensation.
Some mailers or offers that may be in violation of the FCRA include the following:
- An offer to buy a car, where the loan amount stated is insufficient to buy a car
- An offer for a loan, where the terms of the loan are not provided such as failure to commit to one interest rate or to the method for calculating interest
- Credit card offers
- Mortage offers or mortage refinancings where the terms of the mortgage and a set interest rate are not specifically stipulated
If you believe you may be the victim of a credit history violation through receiving an improper prescreened credit mailer for a loan, please schedule a free confidential consultation by calling us at 630-333-0000, or filling out our intake form on our Contact Us page. Please note that we will need a copy of the document in question. If it is a mailer, please scan the document and e-mail it to us.Junk Faxes
Receiving junk faxes? Fight back!
Although junk faxes are illegal, many companies still use them because they are inexpensive (the recipient even pays for the ink and paper!) and even a small response can be very profitable for the company.
Headquartered in Oakbrook Terrace and Chicago, Illinois, we aim to educate consumers, stop companies who wrongfully profit on consumers, and assist consumers in obtaining compensation for physical and financial harm caused by violating consumer rights.
We accomplish our goals by bringing lawsuits directly on behalf of consumers or as part of a class action against companies that violate consumer protection and privacy laws.Unsolicited Cell Phone Text Messages
Unsolicited cell phone text messages cost consumers millions of dollars a year, and can result in additional unwanted charges on your cell phone bill. We are preparing class action lawsuits to stop these unfair advertising practices that invades your privacy and takes away your hard earned dollars. If you are a victim of unsolicited cell phone text message advertising contact one of our attorneys today.Experienced Privacy Violations Lawyers
Our attorneys have decades of experience handling consumer claims for violation of their rights. Our attorneys aggressively pursue claims on your behalf to obtain fair and just compensation for your injuries, and to prevent companies from injuring other similarly situated individuals. For information about us and the benefits of retaining our attorneys to help you, please visit the Our Philosophy page on this site.
If your rights as a consumer have been violated, including your privacy rights through the receipt of junk faxes or identity theft, it is time for you to fight back. Please schedule a free consultation with an experienced privacy violation lawyer by calling us at 630-333-0000, or filling out our intake form on our Contact Us page.
We are dedicated to protecting your rights
and exposing consumer rip-offs and scams
Nationwide Consumer Rights
Consumer Protection Lawyers