Terms of Use
When you apply for credit, a creditor may not:
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Ask about or consider your sex, race, national origin or religion
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Ask about your marital status or your spouse, unless you are applying for a joint account or relying on your spouse's income or you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington)
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Ask about your plans to have or raise children
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Refuse to consider reliable public assistance income or regularly received alimony or child support
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Discount or refuse to consider income because of your sex or marital status or because it is from part-time work or retirement benefits
You have the right to:
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Have credit in your birth name, your first name and your spouse's last name, or your first name and a combined last name;
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Have a co-signer other than your spouse if one is necessary;
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Keep your own accounts after you change your name or marital status or retire, unless the creditor has evidence you are unable or unwilling to pay
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Know why a credit application is rejected; the creditor must give you the specific reasons or tell you of your right to find out the reasons if you ask within 60 days
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Have accounts shared with your spouse reported in both your names
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Know how much it will cost to borrow money. The Truth in Lending Act requires a lender to inform you of the cost to borrow, so that you can compare the cost and terms of credit offered by various lenders.
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