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Each affects the overall cost of the credit you will be using. Under the fair credit and charge card disclosure act, you can compare terms and fees before you agree to open a or charge card (no interest) account. Be sure to consider and compare the following terms that direct-mail applications and pre-approved solicitations must reveal.
Under the equal credit opportunity act, a credit scoring system may not use certain characteristics-like race, sex, marital status, national origin, or religion-as factors. However, creditors are allowed to use age in properly designed scoring systems. But any scoring system that includes age must give equal treatment to elderly applicants.
