Question: Guimond discovered that information in her credit file was inaccurate. She notified the company, but it did not correct the mistakes until a year later. She sued the credit company under the Fair Credit Reporting Act. The credit company claimed that there was no violation of the act because she hadn't been denied credit during the year. Is this a good defense? (Guimond v. Trans Union Credit Information Co., 45 F.3d 1329)