Welcome to Find Credit Fast

Your credit resource for Personal Loans, Home Loans, Auto Loans, Home Equity Loans, Credit Cards, Credit Reports, and Credit Repair Services

Welcome to FindCreditFast.com your complete source for credit providers and information.

No matter what your credit situation is, FindCreditFast.com can be your source for personal loans, home loans, home equity loans, auto loans, credit cards, credit repair, or filing bankruptcy. 

Your Rights: Getting Credit

The Equal Credit Opportunity Act protects you when dealing with anyone who regularly offers credit, including banks, finance companies, stores, credit card companies and credit unions. When you apply for credit, a creditor may not:

• ask about or consider your sex, race, national origin or religion;

• ask about your marital status or your spouse, unless you are applying for a joint account or relying on your spouse’s income, or unless you live in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas and Washington);

• ask about your plans to have or raise children;

• refuse to consider public assistance income or regularly received alimony or child support; or

• discount or refuse to consider income because of your sex or marital status or because it is from part-time work or retirement benefits.

You also have the right to:

• have credit in your birth name, your first name and your spouse’s last name, or your first name and a combined last name;

• have a co-signer other than your spouse if one is necessary;

• keep your own accounts after you change your name or marital status or retire, unless the creditor has evidence you are unable or unwilling to pay;

• know why a credit application is rejected; the creditor must give you the specific reasons or tell you of your right to find out the reasons if you ask within 60 days;

• have accounts shared with your spouse reported in both your names; and

• know how much it will cost to borrow money.

The Truth in Lending Act requires lenders to give you information on the cost and terms of credit so you can compare different offers. The total finance charge is a dollar amount that includes all interest and fees that must be paid to get a loan. The annual percentage rate (APR) is the rate of interest paid over the term of the loan.

Financial Institution Regulators

A number of Federal, state and local agencies regulate financial institutions. State chartered banks and trust companies that are members of the Federal Reserve System are covered by the Federal Reserve System. State chartered banks that are not members of the Federal Reserve System are regulated by the Federal Deposit Insurance Corporation. State chartered banks are also regulated by state banking authorities. Banks with National in the name or N.A. after the name are regulated by the Comptroller of the Currency, U.S. Department of the Treasury. Federal savings and loans and Federal savings banks are regulated by the Office of Thrift Supervision. Federally chartered credit unions are regulated by the National Credit Union.

Disclaimer: All Information on this web site is provided "as is" with no claim of accuracy or of fitness. Always research any financial decisions prior to signing any documents and consult a professional when necessary.

For additional Information:

Federal Citizen Information Center