Credit Plus “Inactive” Mortgage Status Report FCPA Class Action Settlement

Settlement Structure: Claims Made

Active: Closed

Closed Settlement Statement:

According to court documents, the claim submission deadline has passed. Please contact the claims administrator if you have any questions.

Case Summary:

The plaintiffs in this lawsuit allege that Credit Plus willfully violated a provision of the FCRA when it included a MERS Report with information that indicated plaintiffs had mortgage liens with an “inactive” status, without indicating whether the mortgage lien was paid-in-full, transferred to another servicer, foreclosed, or discharged in bankruptcy. Plaintiffs further alleged that this practice of using “inactive” as a status is incomplete or misleading and can cause the mortgage underwriting process to be delayed or result in other problems with underwriting.

Docket Number:


Company: Credit Plus

Filing Deadline: January 27, 2017

Class Period: February 4, 2014 to September 19, 2016

Objection Deadline: January 27, 2017

Exclusion Deadline: January 27, 2017

Final Approval Hearing: February 17, 2017

Proof of Purchase: Eligibility:

The settlement class includes consumers whom Credit Plus’s records reflect had a current address in Virginia at the time that a Credit Plus MERS Report with a mortgage status field indicating ‘inactive’ was ordered between February 4, 2014 through September 19, 2016.

Typical Settlement Amount:

The total settlement will be divided on a pro rata basis depending on the number of valid claim forms submitted. The shares are estimated to be $142.

Total Settlement Amount: $750,000.00

Class Representative Proposed Incentive Fee:


Law Firms:
Consumer Litigation Associates PC
Kelly and Crandall PLC

Claim Form: Claim Form

Case Name: Inmer Campos-Carranza, et al. v. Credit Plus Inc.

Settlement Website: Campos-Carranza v. Credit Plus, Inc.

Claims Administrator:

Claims Administrator Contact Information:

Campos-Carranza v. Credit Plus, Inc.
c/o Settlement Administrator
P.O. Box 1367
Blue Bell, PA 19422


Tags: Unlawful Background Checks, Your Privacy