When You Apply For Credit, A Creditor May Not - CREDIT RIGHTS

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TODAY'S SAVING TIP  Yes. The Fair Credit Reporting Act (FCRA) gives you the right to see and correct mistakes in your credit report. It also limits the rights of others to see what's in the report.
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CREDIT RIGHTS: When you apply for credit, a creditor may not


  • Discourage you from applying because of your sex, marital status, age, race, national origin, or because you receive public assistance income.
  • Ask you to reveal your sex, race, national origin, or religion. A creditor may ask you to voluntarily disclose this information (except for religion) if you’re applying for a real estate loan. This information helps federal agencies enforce anti-discrimination laws. You may be asked about your residence or immigration status.
  • Ask if you’re widowed or divorced. When permitted to ask marital status, a creditor may only use the terms: married, unmarried, or separated.
  • Ask about your marital status if you’re applying for a separate, unsecured account. A creditor may ask you to provide this information if you live in "community property" states: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, and Washington. A creditor in any state may ask for this information if you apply for a joint account or one secured by property.
  • Request information about your spouse, except when your spouse is applying with you; your spouse will be allowed to use the account; you are relying on your spouse’s income or on alimony or child support income from a former spouse; or if you reside in a community property state.
  • Inquire about your plans for having or raising children.
  • Ask if you receive alimony, child support, or separate maintenance payments, unless you’re first told that you don’t have to provide this information if you won’t rely on these payments to get credit. A creditor may ask if you have to pay alimony, child support, or separate maintenance payments.

    ADDITIONAL CREDIT RIGHTS RELATED FACTS

    Establish And Protect Your Credit - Divorce And CreditEstablish And Protect Your Credit - Divorce And Credit
    You Can Dispute Inaccurate Information With The CRAYou Can Dispute Inaccurate Information With The CRA
    What Can I Do If My Rights Under The FCRA Have Been Violated? Where Can I Complain?What Can I Do If My Rights Under The FCRA Have Been Violated? Where Can I Complain?
    Obtain A Free Credit Report From Credit BureausObtain A Free Credit Report From Credit Bureaus
    Change The Terms Of Your CreditChange The Terms Of Your Credit
    You Must Be Told If Information In Your File Has Been Used Against YouYou Must Be Told If Information In Your File Has Been Used Against You
    Fair Debt Collection Practices ActFair Debt Collection Practices Act
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