Credit Plus “Inactive” Mortgage Status Class Action Settlement

Class Eligibility

The settlement Class consists of “all consumers whom Credit Plus’ 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.”

You should submit a Claim Form if you applied for a mortgage or mortgage refinance between Feb. 4, 2014 to Sept. 19, 2016, and believe your application was delayed, denied, or subject to additional scrutiny.

Estimated Amount

$142 +/-

Proof of Purchase


Case Name

Inmer Campos-Carranza, et al. v. Credit Plus Inc.,
Case No. 1:16-cv-00120
District Court for the Eastern District of Virginia, Alexandria Division

Case Summary

The plaintiffs allege that Credit Plus violated FCRA by not properly reporting or updating the status of mortgages. This caused significant delays when consumers were attempting to obtain additional lines of credit.

The FCRA has a heightened expectation for credit report resellers to have updated and accurate consumer information

The plaintiffs claimed that Credit Plus violated FCRA by including data that was inaccurate

Credit Plus denies doing anything wrong but has agreed to settle

Settlement Pool





Campos-Carranza v. Credit Plus, Inc.


P.O. Box 1367

Blue Bell, PA 19422