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Your Credit

Building a good record
What laws apply?
Credit histories for women
Maintaining credit records
Negative information
Old information
Questions about FICO?

   Important Resources

   Oregon Real Estate Agency
   Disclosure Pamphlet


What Laws Apply?

The following laws can help you start your credit history and keep your record accurate:

The Equal Credit Opportunity Act (ECOA) ensures that all consumers are given an equal chance to obtain credit. This doesn’t mean all consumers who apply for credit get it: Factors such as income, expenses, debt, and credit history are considerations for creditworthiness.

The Fair Credit Reporting Act sets up a procedure for correcting mistakes on your credit record.

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