The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.
Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit.
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The Fair Credit Reporting Act (FCRA) requires each of the three nationwide credit reporting companies — Equifax, Experian, and Trans Union — to give you a free copy of your credit report, at your request, once every 12 months.
To order your report, visit or call 1-877-322-8228.
Your credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested or filed for bankruptcy.
National credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that, in turn, use it to evaluate your applications for credit, insurance, employment, or renting a home.Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the ECOA.Here’s a brief summary of the basic provisions of the ECOA.Did you know that there are millions of horny housewives who are looking for sex on the side?You can meet and fucka desperate wife who just wants some sexual satisfaction that her husband doesn't give her.A number of federal agencies, including the FTC, share enforcement responsibility for the ECOA.