What would you do if you are a victim credit discrimination?

• File a lawsuit 
• Get an attorney 
• Take your case to court

What are your new rights under consumer credit laws?

The federal law known as the Equal Credit Opportunity Act ensures that your credit or loan application will be assessed only on the strength of your "credit worthiness" (ability and willingness to repay) and not on any arbitrary or discriminatory practices. Creditors are prohibited from denying credit on the basis of religion, race, national origin, gender, marital status, or source of income. This covers retail installment contracts, credit cards, mortgages and all other types of personal (consumer) loans.

Creditors are not allowed to:

• Inquire about your marital status other than "married," "single" or "separated"
• Compel you to indicate a social title, such as "Mr." or "Mrs." or "Miss"
• Ask for information concerning your spouse unless the application is for a joint account or loan, or if alimony or child support is part of your income
• Ask for information concerning your plans to have children
• Ask for a "cosigner" unless required for all loans of that type or all similar applicants
• An unmarried person cannot be refused credit if a married person with the same credit history would receive credit.
• No lender has the right to inquire about birth control practices or plans for children.
• No lender can refuse to count child support, alimony, or Social Security as income if it is received regularly.
• Creditors cannot require a person, upon reaching a certain age or retiring from the labor force, to reapply for credit, or change the terms of a credit contract.

Will you ask a parent or a friend to Co-sign on a loan with you?
No because e if i screw up it can also hurt the person that has Co-Signed with me!