discrimination Guides

Equal Credit Opportunity Act

Equal Credit Opportunity Act

The Equal Credit Opportunity Act is a United States law which makes it unlawful for any lender to discriminate against any applicant due to race, sex, religion, ethnicity, color, national origin, marital status or age (unless the applicant is a minor). The Act was brought into force in 1976 and applies to any person or entity engaged in credit decisions including banks, credit unions, finance companies, bankcard companies, and retailers.

Merged Credit Reports

Merged credit reports are those that have information from all the three credit bureaus Experian,…

Credit Report Errors

Your credit report contains information about your past borrowings, bill payment history, bankrup…

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