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MURRAY v. NEW CINGULAR WIRELESS SERVICES, INC.

Nos. 06-2477, 06-4368, 07-2370.

523 F.3d 719 (2008)

Thomas MURRAY, Plaintiff-Appellant, v. NEW CINGULAR WIRELESS SERVICES, INC., Defendant-Appellee. Darrell Bruce, Plaintiff-Appellant, v. Keybank N.A., Defendant-Appellee. Ilene L. Price, et al., Plaintiffs-Appellants, v. Capital One Bank (USA), N.A., Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided April 16, 2008.

Attorney(s) appearing for the Case

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.

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.

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

EASTERBROOK, Chief Judge.

We have grouped for decision three appeals under the Fair Credit Reporting Act presenting issues that have arisen in numerous suits throughout the circuit. Each of the appeals presents at least two issues, several of which recur in multiple appeals. We therefore organize the opinion around these issues rather than the facts of the cases, which we use to illustrate the problems.

1. Must an offer of credit be valuable to all or most...

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