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Not everyone who applies for credit gets it or gets the same terms: Factors like income, expenses, debts, and credit history are among the considerations lenders use to determine your creditworthiness.

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.

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Guy asks out girl, girl says no, guy texts girl photo of his credit card to buy "anything your heart desires" in attempt to woo girl, girl buys bouncy house with his credit card info, and goes viral after tweeting about the exchange. Leagan, a 17-year-old woman from Lubbock, Texas, recently went viral after posting an exchange she had with a dude who gave her his credit card info after she turned him down for a date.

In the screenshots posted, Leagan's anonymous suitor sends Leagan a photo of his credit card with the message, "Just in case you ever need anything. ❣️" When Leagan responds, "hol up", her suitor clarifies: "Anything your heart desires."Later, when he sends her a screenshot of a receipt from Jungle Jumps, "a worldwide supplier of commercial grade inflatables," Leagan stands her ground, reminding him that he did in fact, say "anything." When Leagan posted the receipts on Twitter, people understandably freaked out over her epic response.

The Fair Credit Reporting Act (FCRA) requires each of the three nationwide credit reporting companies — Equifax, Experian, and Trans Union — to give you a free copy of your credit report, at your request, once every 12 months.

To order your report, visit or call 1-877-322-8228.

Visit the Consumer Financial Protection Bureau or Help With My Bank.gov, 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.Your credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested or filed for bankruptcy.National credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that, in turn, use it to evaluate your applications for credit, insurance, employment, or renting a home.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.Here’s a brief summary of the basic provisions of the ECOA.

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