sue CRAs to higher score?

Ok, I havent read anything here about this, and it sounds pretty crazy, but is it possible to sue a CRA solely because you believe they should raise your credit score? I've read about how to sue CRAs for not removing inaccurate info, etc in hopes of raising your credit score, but to simply sue because you think you deserve a higher score--how far fetched is that?

here are some details:
1. DH has had perfect new credit for about 3 years, and scores had been slowly rising even tho there are still some derogs from 6-7yrs ago.
2. DH makes 3 times as much money now as he did back then, and has had perfect payment history on 4 CCs, an auto loan (now completely paid off) and 8 months of house pmts.
3. DHs credit scores were mid to high 600s exactly one year ago. Now, we have a new a tri merge that looks exactly like the one from a year ago as far as TLs are concerned, and the scores are almost 100 points LOWER!

Here are the only differences:
1. we've moved (recent address change)
2. DH's employer went bankrupt, so he immediately went to work with another company IN THE EXACT SAME FIELD, making more money.
3. A delinquent Sears TL was INCORRECTLY added to his reports. (its my sears card only. he's not even an authorized user--we're about to sue sears for 1,000 over this.)

DH has been telling our lender (a good friend) how I've been researching and learning about credit repair, and he seems to agree with the philosophy that reporting for 7 years is not fair, and credit scores are a sham. He said if this was him, he'd get a lawyer and sue the CRAs. How crazy does that sound? and has anyone here ever sued just because they think they deserve a higher score?

 

<bump>

george--instead of giving up, have you ever considered suing?

 

Correction: only Experian still lists the Sears TL. The other 2 have deleted it as of today. He has NO negatives left on Equifax or TU. And still his scores stay in the mid 500s--which is way lower than a year ago when his reports looked much worse. What a sham!

 

Re: Re: sue CRAs to higher score?

i guess just based on whether you deserve a higher score or not. damages would be if you have a mortgage or car payment you're paying higher interest rates than someone who DOES have 800+. I mean, it looks to me like you deserve 800+. It is ridiculous that your FICO is/was as low as 665 if what you say is true about no lates, no collections, etc. Thats just WRONG. the CRAs and their scoring are a sham! (but you know that, right? lol) For example, my husbands was in the mid 600s a year ago, and he had 4 paid judgements, 3 paid collections, and one 30 day late on a loan. How is it even conceivable that he would have a score close to yours? and why would his score go DOWN by 100 points in one year when the only difference between the report from a year ago and the ones we just got yesterday are that there are no negatives, and more positive TLs? I just wonder what a judge would say if I held up the two reports and said "is this fair?"

I suppose what this tells us is that moving, getting a mortgage, changing jobs, and obtaining new positive TLs are detrimental to your credit score. but you guys probably already knew that.