Equal Credit Opportunity

Equal credit opportunity means that ‘everyone’ has to be given an equal opportunity for credit. The Equal Credit Opportunity Act states this legally and orders to practice it honestly. However, this does not mean that essential factors like credit rating, job status, bankruptcy and pending bills will not be taken into consideration while giving credit. This states that an individual or organisation cannot be rejected for a credit on basis of his religion, sex, race, place or marital status.

The Equal Credit Opportunity Act firmly disallows the creditors to make biased decisions, thus keeping discrimination in check. If you have faced such a situation where your application for a loan was rejected due to any of the above factors, then you make full use of the Equal Credit Opportunity Act. You can use it against creditors, banks, financial organisations, lenders, credit card companies, departmental stores or credit unions.

The Equal Credit Opportunity Act makes the creditor thoroughly professional and precise. Make sure that when you apply for credit, the creditor does not ask about your marital status. He should not use terms like ‘widowed’ or ‘divorced’ as they are supposed to offensive in nature. The creditor’s business is to provide you credit, and not ask your sex, which may seem to be visible if you visit him personally. He should not be asking about your race, as the Equal Credit Opportunity Act seriously condemns racial discrimination. Also, the creditor is strictly disallowed to ask about your spouse, except in the cases when your spouse is also applying for a credit with you. He also does have to ask of your children, or how many children you plan to have. According to the Equal Credit Opportunity Act, your age is not to be considered by the creditor. The creditor must not also assume that you may stop working after sometime, or may not return credit later.

However, if the creditor asks or tries or get information that has been mentioned above, you can freely make use of the Equal Credit Opportunity Act. You can remind him of the law and that should help the cause in most cases. Otherwise, you can report to the attorney-general of your state and persecute the creditor. You can also ask for compensation and your attorney’s fee.

The Equal Credit Opportunity Act is made to protect the discriminations and rights of every citizen. So, if you ever that you are victimised, feel free to use the Equal Credit Opportunity Act.

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HFC and Beneficial are sub-prime lenders who offer loans to
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Special Notice:
When a company checks your credit record, it can be very dangerous to your credit!
Avoid this credit report pitfall!
The Credit Bureau's Reports

Before you start applying everywhere, realize this:
2 or more recent credit checks (inquiries) will negatively affect your credit score. Your credit score can be seriously damaged!
But, you can avoid this pitfall and still be able to apply at several companies if you are turned down, you can go to the next lender and apply without worry about your credit being damaged.
Here is how it works:
If you order a copy of your credit report in advance, a lender can pre-approve you with a
faxed copy of your credit report.
If they decide to reject the loan, you can continue to apply at different lenders until you find one that accepts you. Still no credit checks against you!
Before completion of the loan process your actual lender will probably need to do a final check on their own, but now you have only one inquiry on your records instead of two or
three or more!
Note: when you purchase your credit report, it does not show up as an inquiry!
It is a good idea to know in advance what your credit score is and if there is any incorrect information on your reports.
Unfortunately, most recently reported by CBS and NBC, and CNN,
79% of all credit reports have some incorrect information.
You really need to know what is on your credit record!
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It is web based and comes up in your browser, give it a minute to load.
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