Credit repair terms · FCRA · CROA
What is ECOA?
A documentation-first definition.
ECOA (Equal Credit Opportunity Act). The Equal Credit Opportunity Act is the federal statute (15 USC section 1691) prohibiting credit discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. ECOA requires creditors to provide an adverse action notice within 30 days of a credit denial, explaining the specific reasons.
15 USC § 1691
Read the statutory text on the Cornell Legal Information Institute: https://www.law.cornell.edu/uscode/text/15/chapter-41/subchapter-IV
How Pinnacle applies this term.
Pinnacle's mortgage-denial credit repair process begins with the adverse action letter, which ECOA requires the lender to provide. The letter identifies the specific reasons for denial.
Pinnacle is a San Mateo, California-based forensic credit-repair firm operating under FCRA and CROA. Documentation-first dispute strategy; fixed-fee; capacity-limited; CROA compliant.
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