Inc., 464 F.Supp.2d 882, 885 (E.D.Mo.2006); see also, e.g., Klutho v. Shenandoah Valley Nat’l Bank, 2007 WL 1527074, at *2-3 (E.D.Mo. May 22, 2007). These cases essentially consider whether “a reasonable person viewing [the] mailers would believe that they contain some value.” Klutho, 2007 WL 1527074, at *3. The Court rejects Plaintiffs argument that the mailing in question here cannot qualify as a “firm offer of credit” because it does not specify the amount of credit offered, the amortization period, and the method of computing interest. Congress did not require that such terms be included in the written mailing, and their absence does not preclude the mailing here from being a firm offer of credit. See Forrest v. J.P. Morgan Chase Bank, 2007 WL 4454123, at *15, 18-19 (Dee. 10, 2007) (<HOLDING>); Poehl, 464 F.Supp.2d at 886 (the absence of
holding that a mailing which stated because of your excellent credit you have been preapproved for a home loan up to 100 of the value of your home  was a firm offer of credit holding in the context of a fcra violation that a jury could find that a consumers credit score was negatively influenced by the failure to list a debt as disputed because evidence was presented that when a credit reporting agency received notice of a dispute it records the dispute in the credit report and does not include the derogatory information in assessing the credit score holding that the fcras provision that a lender may only use and obtain consumer credit information for the purpose of making a firm offer of credit requires that the lender offer something of value as an extension of credit alone holding that a firm offer under the fcra really means a firm offer if you meet certain criteria holding that because the fcra does not require the disclosure in a firm offer of credit of amount of credit and interest rates courts should not imply such additional disclosure requirements explaining that the import of cole was that a firm offer of credit must have economic value rather than which terms must be included