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Consumer Credit Rights

When you apply for credit, it is against the law to be discriminated against on the basis of your gender, race, marital status, religion, ethnicity, age, or because you receive public assistance.


The Equal Credit Opportunity Act (ECOA) states that you are not required to provide such information when applying for credit. If you choose to, it is voluntary. And, if you do provide it, the information cannot be used to determine your creditworthiness.


This does not mean everyone who applies for credit will be approved. The ECOA is in place to assure that everyone is given an equal chance to obtain credit.


If you have been denied credit, the lender is required to provide you with the reason(s) why you were rejected. You also have the right to a free credit report if you were denied credit. Time limitations may apply for receiving your free credit report.