Real Estate Law
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In order to sue, you have to have a cause of action -- something specific the other party did that was illegal or malicious or infringed on your rights. You may also be able to collect if someone damages your credit indirectly, for instance by preventing you from being able to pay your bills or get a loan (in your case your refi). So your loss in interest rate is an ascertainable standard that you can collect from. BUT you have to prove that HCBS had some type of wrongdoing like I said before. You need to make every attempt to correct the problem through proper channels before initiating a lawsuit. You must write to the credit bureau and ask them to investigate, not just the bank. Another thing to keep in mind, it's hard to prove someone has meaningfully damaged your credit if you've already damaged it yourself. You need to show that this event was the event that caused you not to get the loan specifically and not that you had bad credit already and that is why you were denied.
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