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Two federal laws, the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act (FHA), offer protections against discrimination.

However, if no one gives you credit, how can you establish credit history?

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If you're thinking of applying for a mortgage, loan or any other form of credit first look at these all-too-easy mistakes you could make that could damage your file and result in rejection.

Errors on your credit file could mean you are repeatedly rejected for a loan, mortgage or credit card." This is based on a view that credit scoring is solely about whether people are good or bad risks.

Before making an application you can use Card Checker to see your chances of being accepted for a Virgin Money Credit Card.

Please make sure your credit/debit card information such as card number, expiration date, and CVV code is correct, wait 15 minutes, and try your payment again.

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