Which types of information may creditors legally consider when determining someone’s creditworthiness?

Question

A. age
B. bill-paying habits
C. gender
D. expenses and income
E. ethnicity or race

Answer 1

The types of information that creditors may legally consider when determining someone's creditworthiness are bill-paying habits, expenses and income, and age. Therefore, the correct answer is A, B, and D. Creditors are not allowed to consider gender, ethnicity, or race since it is considered discrimination under the Equal Credit Opportunity Act (ECOA).