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Posted over 4 years ago.

What actually happened is that they told me that I could request a credit increase without it impacting my credit. This was incorrect, as they then made a hard inquiry on my credit report. Would this be a violation of FCRA, or perhaps something else?

Amy Lavonne Wells
Amy Lavonne Wells, Class Action Attorney - Chicago, IL
Posted over 4 years ago.

I don't have a crystal ball, so I can't, of course, be sure what they will/would say or do, but based on experience I suspect they would deny having given you that false statement. I'm not suggesting they did not tell you that, but it's quite likely they would deny it and in my opinion it would be an uphill battle under any legal theory. Others may feel differently and you should consult with a legal advocate in your area for a second opinion if you like. Good luck to you, and have a nice holiday.