Where to report ECOA violations - 2004-02-27
If you suspect a creditor has abused your rights under the Equal Credit Opportunity Act, you'll want to contact the appropriate federal enforcement agency. Here's a summary.

For retail stores, department stores, small loan and finance companies, mortgage companies, oil companies, public utilities, state credit unions, government lending programs and travel and expense credit card companies, file complaints with the Federal Trade Commission.
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Past transgressions and used transmissions - 2004-02-27
Dear Dr. Don,
I presently have a credit score of 544, which I know is not very strong. I am 22 years old and in the past I did not know much about credit. I am totally out of debt now and have paid off my car loan through my credit union.

Dear Jonathan
Every time you apply for credit, the loan application is reported on your credit report. It's one thing if you're shopping for a car loan or a mortgage.
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