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Gross income is the amount of money you earn before taxes and any other benefits are taken out of your paycheck. Your household number (or family size) includes anyone who will be living with you in your home. You must also have a credit score of 620 or higher.
The Fair Housing Act (FHA) and the Equal Credit Opportunity Act (ECOA) protect consumers by prohibiting unfair and discriminatory practices.
Several rights are granted under the Equal Credit Opportunity Act, including the entitlement to have credit in your birth name, your first name and your spouses last name, or your first name and a combined last name.
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicants income derives
ECOA prohibits discrimination by lenders in any part of a credit transaction on the basis of: race, color, religion, national origin, sex, marital status, age (has to be 18), the receipt of income from a public assistance program, or having exercised any rights under Consumer Credit Protection Act.
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