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Credit Card Glossary – E Electronic Fund Transfer Act (EFTA) Establishes guidelines for correcting mistakes on electronic fund transfer account statements. Equal Credit Opportunity Act (ECOA) Prohibits creditors from discriminating on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance when deciding whether to issue credit. Equifax One of three major credit bureaus in the United States. Experian Formerly known as TRW, Experian is one of three major credit bureaus in the United States. Expired Card A card on which the embossed, encoded, or printed expiration date has passed.

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