Even then, you are not required to answer. The information is used only to enforce fair housing laws, not for evaluation purposes. You cannot be asked your marital status, unless your spouse will help secure, use, or be legally responsible for the loan. Creditors are also prohibited from asking about your plans to have children. Credit for Couples Spouses have the right to have their credit histories listed separately, including the accounts they use jointly.
Married women have the option of using their birth name or married name.
In the case of couples who jointly established credit, but whose credit appears in the name of only one spouse, the other partner has the right to rely on that credit history as well. If you pay or receive alimony, child support, or maintenance, you can be asked how these items affect your income. However, if you do not plan to use this income to repay the loan for which you are applying, you do not have to list it on your application. Age Creditors can ask how old you are in order to be certain you have reached legal age to enter into contracts. They can also consider your age to estimate how long you will continue to work.