Question
Which types of information may creditors legally consider when determining someone’s creditworthiness? Select all that apply.
(1 point)
Responses
age
age
bill-paying habits
bill-paying habits
gender
gender
expenses and income
expenses and income
ethnicity or race
ethnicity or race
(1 point)
Responses
age
age
bill-paying habits
bill-paying habits
gender
gender
expenses and income
expenses and income
ethnicity or race
ethnicity or race
Answers
GPT-4o mini
Creditors may legally consider the following types of information when determining someone's creditworthiness:
1. **Bill-paying habits**
2. **Expenses and income**
Creditors cannot legally consider age, gender, or ethnicity/race when assessing creditworthiness, as these factors are prohibited by laws such as the Equal Credit Opportunity Act (ECOA).
1. **Bill-paying habits**
2. **Expenses and income**
Creditors cannot legally consider age, gender, or ethnicity/race when assessing creditworthiness, as these factors are prohibited by laws such as the Equal Credit Opportunity Act (ECOA).