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Today, each of the site’s 7 million members has a unique profile which reads like a personal ad, highlighting interests, locations traveled, details about their accommodations and, most important, references.This system allows friends you’ve made globally or locally to vouch for you and the unlikelihood of you being a serial killer.This can hurt many married, separated, divorced, and widowed women.Typically, there are two reasons women don’t have credit histories in their own names: either they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in the husband’s name only.To order your report, visit or call 1-877-322-8228.A number of federal agencies, including the FTC, share enforcement responsibility for the ECOA.(Riccardo and other Couchsurfing users quoted in this article asked to be identified by pseudonyms.) On the business front, the crowdsourced hospitality site has been experiencing a rough patch lately.After a controversial transition to a for-profit model in 2011, which brought million in funding in the past two years, growing pains have set in.
In eight months using the service, Riccardo, who is 32 and works for an ad agency, has let eight visitors crash at his apartment, of whom he’s hooked up with five, for a 62 percent “success rate.” If you count the additional two who climbed into bed with him for a cuddle and then fell asleep, the percentage climbs even higher.
Riccardo G.’s profile on Couch Surfing.com, the website that partners intrepid wanderers with willing hosts, notes that he lives in the “best neighborhood to go out and have drinks,” that he offers a “cozy/clean/nice sofa/couch” and that he’ll even let you bring your “small dog, if you just can’t live without him.” He describes himself as “amazing, outgoing, funny, smart” and says his interests include friends, eating, drinking, the gym and puppies.
His photos show the good-humored Latin American native — dark, handsome, and fit — in exotic destinations around the world, from Cairo to Capri.
People use credit to pay for education or a house, a remodeling job or a car, or to finance a loan to keep their business operating.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.
National credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that, in turn, use it to evaluate your applications for credit, insurance, employment, or renting a home.