> Do you live in the United States?

Yes, we moved here after 15 years of living abroad.

> Marital status affects your credit worthiness.

They asked for this information.

To paraphrase our mortgage broker, "having a 4 year degree makes you much more creditworthy." And I just confirmed it with a family member who works in Fannie Mae, says it's true.

Have you looked at a 1003/residentialloan application lately? You and I both agree they shouldn't be asking these questions but those questions are on the application.