No way! Not to us. We treat all our clients with the same courtesy and respect. But to be fair, the FTC Fair Credit Reporting Act (FCRA) and state laws restrict who has access to your sensitive credit information and what uses can be made of it, just looks at your number, your score. What better way to eliminate the possibility of discrimination and create anonymity of borrowers than to boil-down credit risk to just a number?

Click to read more on the Fair Credit Reporting Act

When lenders evaluate your loan application, we use a process called "Underwriting," where they evaluate your ability--and make an educated guess of your willingness--to repay your loan. Your ability to repay is judged by looking at the amount of your income and how stable your past earnings have been. This helps to determine if you can afford the loan payments. Your willingness to repay is also evaluated by looking at your past credit history. Generally speaking, someone who has made payments on time in the past will probably do so in the future.

Lenders like us want our evaluation to be as accurate, objective and as consistent as