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Your Credit

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.