United States Fifth Circuit

Plaintiffs, denied credit after responding to pre-qualified credit card offers, fail to state a claim under the Fair Credit Reporting Act. A "firm offer" of credit under the Act really means a "firm offer if you meet certain criteria."

Appellate Information

• Decided 05/06/2004
• Published 05/06/2004

Judges

• PRADO, Circuit Judge:, Before DAVIS, BENAVIDES and PRADO, Circuit Judges.

Court

• United States Fifth Circuit

Counsel

• For Appellant:
  
• Richard Kennedy, Metairie, LA, pro se., Sally Kennedy, Metairie, LA, pro se., Glenn Lyle Maximilia Swetman, Jeanette Seraile-Riggins, Aultman, Tyner & Ruffin, New Orleans, LA, for Chase Manhattan Bank, NA., Kelly Titus Scalise, Michael Anthony Golemi, Liskow & Lewis, New Orleans, LA, Jordana Rachel Sternberg, Jones Day, Atlanta, GA, for Experian Information Solutions Inc., Glenn Paul Orgeron, Karen Waters Shipman, Lemle & Kelleher, New Orleans, LA, for Trans Union LLC., Stephen Winthrop Rider, Lisa D. Munyon, McGlinchey Stafford, New Orleans, LA, for Bank of America, NA (USA).