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March 18, 2013


Applying for Credit

Credit allows you to buy and use goods and services now, and pay for them later. For example, credit lets you use a car or a washing machine before (and, usually, long after) you have fully paid for its services. The law affords you many protections throughout the credit process.

Click on the links below for more information on this particular subject area. Main subject areas for the "Credit" section are linked at the bottom of these pages.

What is the Truth in Lending Act?

How does knowing the Annual Percentage Rate help?

What other laws protect consumers?

When I apply for credit, may a credit grantor ask my age?

Does my gender or marital status affect whether I am worthy of credit?

May married people open credit accounts that are not also in their spouses' names?

If my marital status changes, may a credit grantor force me to reapply for credit?

Practical Law Home | Credit Home | Applying for Credit
Choosing a Credit Card | Checking Your Credit Record