2- Regardless if it will appear you NEED to tell the FBI about it. If you do not and they find out, you will not get approved. If you do and it is just a ticket, you will have no problem.
1- The drop in credit rating is temporary BUT you do likely have a cause for so many credit pulls, especially after you are approved. Give Dana Karni in Houston a call. She is great with this stuff.
Find Dana here and tell her I said hello.
1. Yes there probably is but the law in each state is a little different so you should talk to one of the 5 Houston lemon lawyers listed at www.USLemonLawyers.com and get specific advice for your state laws and your rights. (lawyers don’t pay to get listed here and most of them are members of the only national association for Consumer Law lawyers, NACA.net). You can also look for one here on Avvo under the Find a Lawyer tab. Or you can call your local attorney's Bar Association and ask for a referral to a Consumer Law attorney near you. But act quickly because for every legal right you have, there is only a limited amount of time to actually file a lawsuit in court or your rights expire (it's called the statute of limitations), so don't waste your time getting to a Consumer Law attorney and finding out what your rights are. If this answer was helpful, please give a “Vote UP” review below. And please be sure to indicate the best answer to your question so we can all be sure we are being helpful. Thanks for asking and Good Luck. Ron Burdge, www.BurdgeLaw.com
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This answer is for general purposes only and does not establish an attorney-client relationship. The law in your state may differ and your best answer will always come from a local attorney that you meet with privately. For a Free Online 50 State National List of Consumer Law Lawyers, click on this link (http://tinyurl.com/79ku5jx) and find one near you