If You're Turned Down - CREDIT RIGHTS
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CREDIT RIGHTS: If you're turned down
Remember, your gender or race may not be used to discourage you from applying for a loan. And creditors may not hold up or otherwise delay your application on those grounds. Under the Equal Credit Opportunity Act, you must be notified within 30 days after your application has been completed whether your loan has been approved or not. If credit is denied, this notice must be in writing and it must explain the specific reasons why you were denied credit or tell you of your right to ask for an explanation. You have the same rights if an account you have had is closed. If you are denied credit, be sure to find out why. Remember, you may have to ask the creditors for this explanation. It may be that the creditor thinks you have requested more money than you can repay on your income. It may be that you have not been employed or lived long enough in the community. You can discuss terms with the creditor and ways to improve your creditworthiness. The next chapter explains how to improve your ability to get credit. If you think you have been discriminated against, cite the law to the lender. If the lender still says no without a satisfactory explanation, you may contact a federal enforcement agency for assistance (the fecderal agency you should contact should be included in the notice you receive from the creditor), or bring legal action, as described in the last section of this handbook.
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