Need claification about FCRA damages allowed.

MadinKS · 04-28-2007, 11:38 PM

First off let me say hello to everyone at IC and thank you in advance for the time you spend to help others understand the complex world of credit repair. I've been a regular over at CIC but wanted to stretch my wings and get different opinions from y'all.
Now for my first official post. I may have known this before but with all the information I've had to soak up in the last 2 months I've forgotten. So please bear with me. Thanks.

If a CA commits an FCRA violation on all 3 CRAs, would it then be 3 separate violations?

hannah · 04-28-2007, 11:43 PM

Quote:

Originally Posted by MadinKS

First off let me say hello to everyone at IC and thank you in advance for the time you spend to help others understand the complex world of credit repair. I've been a regular over at CIC but wanted to stretch my wings and get different opinions from y'all.
Now for my first official post. I may have known this before but with all the information I've had to soak up in the last 2 months I've forgotten. So please bear with me. Thanks.

If a CA commits an FCRA violation on all 3 CRAs, would it then be 3 separate violations?

Yes. FCRA is per violation while FDCPA is per action.

MadinKS · 04-28-2007, 11:45 PM

I was sure I was losing my mind but I was thinking right. Thanks. Now on to more intelligent questions.

Qtip · 04-29-2007, 07:48 AM

Quote:

Originally Posted by MadinKS

First off let me say hello to everyone at IC and thank you in advance for the time you spend to help others understand the complex world of credit repair. I've been a regular over at CIC but wanted to stretch my wings and get different opinions from y'all.
Now for my first official post. I may have known this before but with all the information I've had to soak up in the last 2 months I've forgotten. So please bear with me. Thanks.

If a CA commits an FCRA violation on all 3 CRAs, would it then be 3 separate violations?

Welcome to the site! CIC is a really nice site.

MadinKS · 04-29-2007, 01:20 PM

Thanks Qtip. Glad to be here (kinda). I would rather not be dealing w/the issues that brought me here, but that's life and I'm glad I found ya!

roybean · 04-29-2007, 02:55 PM

Welcome aboard Madinks

Hedwig · 04-29-2007, 04:10 PM

Quote:

Originally Posted by MadinKS

Thanks Qtip. Glad to be here (kinda). I would rather not be dealing w/the issues that brought me here, but that's life and I'm glad I found ya!

We'll help you deal with the issues, but we hope you'll stick around even after you solve your problems. By that time, you can help pass your knowledge on to others.

MadinKS · 04-29-2007, 04:33 PM

Quote:

We'll help you deal with the issues, but we hope you'll stick around even after you solve your problems. By that time, you can help pass your knowledge on to others.

I most definitely will. I am a firm believer in passing on knowledge and will do my part. I just have to get to the knowledge part so I can pass it on.

Thanks.

Hedwig · 04-29-2007, 04:38 PM

You'll get there. You've made a good start already.

MadinKS · 04-29-2007, 05:12 PM

I have learned a lot at CIC, but now I'm interested in case law and court procedure, so that's why I've branched out. I need all the references and helpful info I can find. The AOC Archives are great. Just going cross-eyed trying to read it all.

Hedwig · 04-29-2007, 05:26 PM

There is also the case law forum. And if you don't understand something, feel free to ask questions and get some more help.

MadinKS · 04-29-2007, 05:48 PM

Boy don't I know. Between the archives and the case law I will be eternally cross-eyed. It's actually mentally exhausting at times to read that legalese, let alone understand it.

Hedwig · 04-29-2007, 05:55 PM

Yes, sometimes you just need to take a break and concentrate on something else. Often that even triggers understanding, since if you look at it too long your mind isn't really analyzing. If you go to something else, then your mind may actually work on it in the background.

MadinKS · 04-29-2007, 06:01 PM

I spent a good 3 hours looking at stuff last night and I am just going to leave the case law alone for the rest of the day. I need a break anyway. Thanks.

roybean · 04-29-2007, 06:05 PM

Quote:

Originally Posted by MadinKS

Boy don't I know. Between the archives and the case law I will be eternally cross-eyed. It's actually mentally exhausting at times to read that legalese, let alone understand it.

You'll be fine; I read so much so fast I confused myself because I had to organize the information inside my head so that I understood it. I think it's normal or I learn different or something, but you'll be fine. And sometimes you've gotta read the law and cases a few times to be clear about what it is saying.

MadinKS · 04-29-2007, 06:10 PM

Quote:

And sometimes you've gotta read the law and cases a few times to be clear about what it is saying.

Sometimes? For me, it's always.

I'm more of a hands on learner so it's difficult to do but I can do it. It just takes me a few tries and a whole bunch of q & a time on this board so, watch out, here I come. Thanks.

roybean · 04-29-2007, 06:10 PM

Quote:

Originally Posted by MadinKS

I spent a good 3 hours looking at stuff last night and I am just going to leave the case law alone for the rest of the day. I need a break anyway. Thanks.

3 hours? Not downing you for that, but multiply that by 1000. Then we can compare our prescription glasses.

Now that I mention it, someone is going to buy me some new glasses

MadinKS · 04-29-2007, 06:11 PM

I wear contacts. It's easier to hide the coke bottle prescription.