Q: I am setting up a payment plan with my kid's orthodontist. Is it legal for them to ask me if I rent or own a home?
A: That is a very common question in credit applications. You will also be asked the amount of your monthly rent or mortgage payment and how many years you have lived at your current address. If you rent, the monthly expense will not show in your credit report which is usually obtained as part of underwriting your loan. Usually orthodontists use a third party to finance the orthodontic treatment. Make sure to carefully review your application as well as any documents they ask you to sign so that you are aware of what you are committing to.
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