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.You’re probably wondering why Fuckbook might be your ultimate online destination for finding more sex than a tomcat with three pairs of balls.
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The Federal Trade Commission, Office of Equal Credit Opportunity ,in Washington, D. enforces the Act and oversees creditors’ compliance with it.
A potential creditor may look at your "credit history." This is information they get from a "credit reporting agency" or "credit bureau." This information is called your "credit report" or "credit history." It is a file with computerized information about the payments you have made on credit cards, car loans or other types of credit.
Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit.