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Credit reports and business records hearsay exception?


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Does anybody have any cites on hearsay exceptions for credit reports and CRA investigation results?

 

In 2006 I lost a case because my exhibits were ruled to be hearsay as per Capital Funding v. Chase Manhattan Bank, 2005 U.S. Dist LEXIS 2212, no. 01-6093, *6 (E.D.Pa. Feb. 11, 2005) (affirming exclusion of credit reports as hearsay).

 

And what is the effect of the "NOT PRECEDENTIAL" on the appeals court ruling?

http://www.ca3.uscourts.gov/opinarch/044355np.pdf

 

Now I got lucky because Equifax authenticated its investigation results, but I'd like to know whether Capital Funding is still the law of the land.

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