EDD Labor Market Information Division
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FCRA Rights
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment - or to take another adverse action against you - must tell you, and must give you the name, address, and phone number of the agency that provided the information
If you go beyond the mileage limit in the lease agreement, you probably will have to pay an additional charge when you return the vehicle.When you lease, you are responsible for excess wear and damage and any missing equipment. You can negotiate a higher mileage limit, but that normally increases the monthly payment because the vehicle depreciates more during the life of the lease
Credit Scores Free Credit Reports People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating. Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the ECOA
Since the Fair Lending Unit was established in February 2010, it has filed or resolved 30 lending matters under the Fair Housing Act, ECOA and the Servicemembers Civil Relief Act. Borrowers who are eligible for compensation from the settlement will be contacted by the administrator, and do not need to contact the department or the CFPB at this time
On this page What is credit discrimination? How I can protect myself from credit discrimination The Office of Fair Lending and Equal Opportunity More resources It is illegal to: Refuse you credit if you qualify for it Discourage you from applying for credit Offer you credit on terms that are less favorable, like a higher interest rate, than terms offered to someone with similar qualifications Close your account On the basis of: Race or color Religion National origin Sex or Marital status Age (as long as you are old enough to enter into a contract) Receipt of income from any public assistance program Exercising in good faith your rights under the Consumer Credit Protection Act. How can I protect myself from credit discrimination? Watch for warning signs Credit discrimination is often hidden or even unintentional, which makes it hard to spot
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