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The law provides protections when you deal with any organizations or people who regularly extend credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions.

Everyone who participates in the decision to grant credit or in setting the terms of that credit, including real estate brokers who arrange financing, must comply with the ECOA.

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Information about CVV2 / CVC / etc numbers can be found here: CVV numbers.

A good credit history — a record of your bill payments — often is necessary to get credit.

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In testing situations any expiry date within the next 3 years should work Feedback forces me to clarify this: These are NOT valid credit card numbers. They are random numbers that happen to conform to the MOD 10 algorithm.

They are a technical resource for programmers – that’s all.

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