If married, you may apply for a loan separately from your spouse.
If you are applying for a joint account or an account that you and another person will use, you agree that you both intend to apply for joint credit.
If you are applying for individual credit in your own name and are relying on your own income or assets (except community property states, your separate income or assets) and not the income or assets of another person (or community property) for repayment of the credit requested, questions relative to marital status and to income resources and assets of the spouse's need not be answered. However, only the applicant's resources will be evaluated in determining creditworthiness.
State lending laws may restrict a lender’s ability to make more than one loan to the same borrower, may limit the total amount that can be loaned to the same borrower at one time, may require us to pay off existing loans in order to provide you with a new loan, or may prevent us from offering you the full loan amount you request.
A consumer report may be requested in connection with the processing of your application for credit. Upon request, you will be informed whether or not a consumer report was requested and, if such report was requested, informed of the name and address of the consumer reporting agency that furnished the report. Subsequent consumer reports may be requested or utilized in connection with an update, renewal, or extension of the credit.
The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law