Statutory Damages Estimator — FreeCreditBot.com

// statutory damages estimator

FCRA & FDCPA damages calculator

Estimate the statutory damages available under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA). This tool calculates statutory ranges based on the number and type of violations.

⚠ This is an educational estimator, not legal advice. Actual damages depend on case specifics and court discretion. Consult an attorney for your situation.

1 · Select violation type

Willful Noncompliance

FCRA §1681n — knowingly or recklessly violating FCRA requirements.

$100 – $1,000 per violation

Negligent Noncompliance

FCRA §1681o — negligent failure to comply with FCRA duties.

Actual damages + attorney fees

FDCPA Violation

15 U.S.C. §1692k — debt collector violates FDCPA rules.

$500 – $1,000 per violation (class actions capped)

2 · Enter parameters

Number of violations

Each separate violation counts individually.

Actual damages ($)

Documented financial harm — loan denials, higher interest, etc.

Estimated attorney fees ($)

FCRA and FDCPA both shift attorney fees to the defendant.

// statutory damages range

$100—$1,000

Per-violution statutory range

// total estimated damages

$100—$1,000

Including actual damages, fees, and punitive

Damage breakdown

Category	Low estimate	High estimate	Statute

Statutory references

Statute	Covers	Statutory damages
FCRA §1681n(a)	Willful noncompliance — actual damages	Actual + attorney fees
FCRA §1681n(b)	Willful noncompliance — statutory	$100 – $1,000 per violation
FCRA §1681n(c)	Willful noncompliance — punitive	Unlimited (court discretion)
FCRA §1681o	Negligent noncompliance	Actual + attorney fees
FDCPA §1692k(a)(2)(A)	Individual FDCPA violation	Up to $1,000 per action
FDCPA §1692k(a)(2)(B)	Class action — statutory	Lesser of $500K or 1% net worth
FDCPA §1692k(a)(3)	Actual damages	Unlimited (documented harm)