determine the meaning of “firm offer.” That argument ignores the very statute it purportedly rests upon because the FCRA specifically defines the term “firm offer.” As noted earlier, the FCRA contains the following definition: a “firm offer of ... insurance” is “any offer of ... insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report, to meet the specific criteria used to select the consumer for the offer.” 15 U.S.C. § 1681a(Z). Thus, as the court noted in Murray v. Neto Cingular Wireless Services, Inc., 523 F.3d at 723 “ ‘firm offer’ is a defined phrase.” A “firm offer” is one that will be “honored ” (if the verification checks out).... Id.; see also Kennedy v. Chase Manhattan Bank USA, NA, 369 F.3d 833, 841 (5th Cir.2004) (<HOLDING>). Although it contained substantial puffery and
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 holding that an offer to donate cannot be an offer to sell holding an unaccepted settlement offer or offer of judgment does not moot a plaintiffs case emphasis added holding that a firm offer under the fcra really means a firm offer if you meet certain criteria 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