Credit Discrimination: 6.5.3.3 Avoiding a Spouse’s Bad Credit History
On the applicant’s request, the creditor must consider any information that the applicant presents “that tends to indicate” that the credit history being considered by the creditor does not accurately reflect the applicant’s creditworthiness.259 The creditor has no affirmative duty to request this information; the burden is placed on the applicant to explain why the applicant should not be denied credit because, for example, a poor credit rating is attributable to the conduct of an ex-spouse during the marriage.