United States Seventh Circuit

In a consolidation of three suits under the Fair Credit Reporting Act, the judgments of the district courts are affirmed where: 1) the offer of a free phone in connection with a service plan is an offer of credit; 2) a defendant did not wilfully violate FCRA because it was not reckless; 3) the omission of a minimum line of credit is compatible with a "firm offer of credit"; and 4) while the district court applied the wrong standard in light of Safeco Ins. Co. v. Burr, 127 S. Ct. 2201 (2007), its mistakes do not require a remand.

Appellate Information

• Argued 11/28/2007
• Decided 04/14/2008
• Published 04/14/2008

Judges

• EASTERBROOK, Chief Judge., Before EASTERBROOK, Chief Judge, and FLAUM and WOOD, Circuit Judges.

Court

• United States Seventh Circuit

Counsel

• For Appellant:
  
• Daniel A. Edelman, James O. Latturner (argued), Edelman, Combs & Latturner, Chicago, IL, David M. Victor, Robert K. O'Reilly (argued), Ademi & O'Reilly, Cudahy, WI, for Plaintiffs-Appellants.


• For Appellees:
  
• Charles H.R. Peters, (argued), Schiff Hardin, Chicago, IL, Richard E. Gottlieb (argued), Dykema, Chicago, IL, Aaron Van Oort (argued), Faegre & Benson, Minneapolis, MN, for Defendants-Appellees.