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CAVIN v. HOME LOAN CENTER, INC.

No. 07-1136.

531 F.3d 526 (2008)

Lawrence N. CAVIN and Theresa Cavin, individually and on behalf of a class, Plaintiffs-Appellants, v. HOME LOAN CENTER, INC., d/b/a Homeloancenter.Com, Defendant-Appellee.

United States Court of Appeals, Seventh Circuit.

Decided July 2, 2008.

Attorney(s) appearing for the Case

Daniel A. Edelman, Cathleen M. Combs (argued), Edelman, Combs & Latturner, Chicago, IL, for Plaintiffs-Appellants.

Craig A. Varga (argued), Varga, Berger, Ledsky, Hayes & Casey, Chicago, IL, for Defendant-Appellee.

Before FLAUM, MANION, and WILLIAMS, Circuit Judges.

MANION, Circuit Judge.

Home Loan Center, Inc. ("HLC") sent Theresa and Lawrence Cavin each a mailer announcing its SmartLoan mortgage program. The Cavins did not respond to the letters, but instead filed suit in federal court alleging that HLC violated the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., by failing to present them with a firm offer of credit. The parties filed cross-motions for summary judgment, and the district court granted judgment in...

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