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09 Feb

Here’s a brief summary of the basic provisions of the ECOA.

A good credit history — a record of your bill payments — often is necessary to get credit.

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Problem is obviously that I'm a student, and won't have any income to report for this year.A score of 800 or above on the same range is considered to be excellent. Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts as agreed.Credit scores are used by lenders, including banks providing mortgage loans, credit card companies, and even car dealerships financing auto purchases, to make decisions about whether or not to offer your credit (such as a credit card or loan) and what the terms of the offer (such as the interest rate or down payment) will be. FICO® Scores and scores by Vantage Score are two of the most common types of credit scores, but industry-specific scores also exist.To order your report, visit or call 1-877-322-8228.A number of federal agencies, including the FTC, share enforcement responsibility for the ECOA.