Fair lending. This tool deliberately excludes age, sex, marital status, race, color, national origin, religion, ZIP code or neighborhood, number of dependents, and public-assistance status as a negative. All lawful income is treated equally. It is a decision aid that applies your written credit policy consistently, not a credit decision, and not legal advice. You are the creditor: give specific adverse action reasons within 30 days (Reg B §1002.9), and add FCRA notices if a credit report was used.
