F.T.C. v. GILL

Nos. 00-55122, 00-55123.

265 F.3d 944 (2001)

FEDERAL TRADE COMMISSION, Plaintiff-Appellee, v. Keith H. GILL; Richard Murkey, Defendants-Appellants.

United States Court of Appeals, Ninth Circuit.

Filed September 12, 2001.

Attorney(s) appearing for the Case

Keith H. Gill (argued), Woodland Hills, California, for the defendant-appellant in pro per.

Richard Murkey (argued), Woodland Hills, California, for the defendant-appellant in pro per.

Jon Miller Steiger (argued), John F. Daly, and Debra Valentine, Federal Trade Commission, Washington, D.C., for the plaintiff-appellee.

Before: NOONAN, SILVERMAN, and PAEZ, Circuit Judges.

PAEZ, Circuit Judge:

It has been said that bad credit is like a "Scarlet Letter."1 As Americans' reliance on credit has increased, so-called "credit repair clinics" have emerged, preying on individuals desperate to improve their credit records. These organizations typically promise they can have any negative information removed permanently from any credit report ... for a fee. On September 30, 1996, Congress enacted the Credit Repair Organizations...

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