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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.A recent Pew survey on remarriage found that divorce rates for older Americans have doubled since 1990 and one in two divorced or widowed seniors had remarried in 2013.If you’re married, separated, divorced, or widowed, contact your local credit reporting companies to make sure all relevant bill payment information is in a file under your own name.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.
Here are our dating site picks for seniors, 2104 (see our earlier picks here).
Here’s a brief summary of the basic provisions of the ECOA.
A good credit history — a record of your bill payments — often is necessary to get credit.
Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit.
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.
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Still, while the headlines want us to believe that hundreds of thousands of seniors are happily engaged in online dating and finding our next partners via their profiles, would that it were that simple!