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The law provides protections when you deal with any organizations or people who regularly extend credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions.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.This can hurt many married, separated, divorced, and widowed women.Typically, there are two reasons women don’t have credit histories in their own names: either they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in the husband’s name only.

Her mom would continue to pay for her cellphone but only if the girl promised to respond within four hours to her phone calls and texts.Visit the Consumer Financial Protection Bureau or Help With My, a site maintained by the Office of the Comptroller of the Currency, for answers to frequently-asked questions on topics like bank accounts, deposit insurance, credit cards, consumer loans, insurance, mortgages, identity theft, and safe deposit boxes, and for other information about federal agencies that have responsibility for financial institutions.Home had spun into a living hell for a mom and her 16-year-old daughter.So when the girl announced she wanted to go live with her best friend and the girl’s mother, even her probation officer thought a mini-break for the mother and daughter was a good idea.“We were at odds with each other,” the mother said. I didn’t want to be around her and I needed a break so she went to stay with them.” The agreement was for 30 days.

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