Unfavorable number of adverse public records
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House of Representatives passed it in by a vote of It moved to the Senate, which passed an amended version The House then approved the amended version and President Gerald Ford signed the bill into law on Oct. The Federal Reserve Board was originally in charge of enforcement. Women applicants were routinely required to have more collateral or extra cosigners. They were asked personal questions relating to their lifestyle choices and even sexual practices that had nothing to do with their creditworthiness. People living in predominately minority neighborhoods were told they did not have sufficient collateral or that they lived outside the areas where the bank made loans.
Minorities had difficulty just getting loan applications, much less actual loans.
Lenders also took much longer to process applications from women and minorities in order to discourage those groups from seeking credit. JP Morgan Chase was accused of failing to properly monitor loan reviews, which led to minorities being charged more for home loans than white borrowers with the same credit profile. KleinBank of Minnesota settled a lawsuit with the DOJ in May of after an investigation showed the bank had excluded minority neighborhoods from its lending plan.
Of 5, single-family loan applications, only 62 were from minorities.
Perhaps the most interesting individual case of discrimination happened to Lucas Rosa in Rosa filed a discrimination lawsuit, which was initially rejected but then upheld by a federal appeals court. Transgender people are among those protected by the ECOA. There are certain restrictions as to what information creditors are permitted to gather from you when you apply for credit.
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Other product and company names mentioned herein are the property of their respective owners. See what lenders might see when reviewing your credit. By The Experian Team. Dear Experian, My credit score states "time since derogatory public record or collection is too short.
Dear JTR, A derogatory item is an entry that may be considered negative by lenders because it indicates risk and hurts your ability to qualify for credit or other services. What Is a Derogatory Public Record? There are two types of bankruptcy that typically appear on a consumer credit report: Chapter 7 and Chapter With Chapter 13 bankruptcy, you enter an agreement to repay a portion of the debts owed through a payment plan.