Credit And Women Discrimination/title> <META NAME="Subject" CONTENT="Credit, Credit Repair, Free Credit Information"> <META NAME="Description" CONTENT="Free credit repair information. Whether you have bad credit, a bad loan or bad credit cards, you can still get help and fix your credit."> <META NAME="Keywords" CONTENT="credit discrimination"> <META HTTP-EQUIV="Content-Type" CONTENT="text/html; charset=ISO-8859-1"> <META NAME="Language" CONTENT="english"> <META NAME="Revisit-after" CONTENT="15 days"> <META NAME="Distribution" CONTENT="GLOBAL"> <META NAME="Robots" CONTENT="Follow"> <META NAME="Rating" CONTENT="General"> <META NAME="Classification" CONTENT="Credit"> <script language="JavaScript1.2"> // Drop-in content box- By Dynamic Drive // For full source code and more DHTML scripts, visit http://www.dynamicdrive.com // This credit MUST stay intact for use var ie=document.all var dom=document.getElementById var ns4=document.layers var calunits=document.layers? 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But many of the law's provisions</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">were designed to stop particular abuses that generally made if</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">difficult for women to get credit. For example, the idea that</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">single women ignore their debts when they marry, or that a</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">woman's income "doesn't count" because she'll leave work to</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">have children, now is unlawful in credit transactions.</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">The general rule is that you may not be denied credit just</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">because you are a woman, or just because you are married,</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">single, widowed, divorced, or separated. Here are some</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">important protections:</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><b><font size="2" face="Verdana">Gender and Marital Status.</font></b> <font size="2" face="Verdana"> Usually, creditors may not ask</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">your gender on an application form (one exception is on a loan</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">to buy or build a home).</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">You do not have to use Miss, Mrs., or Ms. with your name</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">on a credit application. But, in some cases, a creditor may ask</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">whether you are married, unmarried, or separated (unmarried</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">includes single, divorced, and widowed).</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><b><font size="2" face="Verdana">Child-bearing Plans.</font></b> <font size="2" face="Verdana"> Creditors may not ask about your</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">birth control practices or whether you plan to have children,</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">and they may not assume anything about those plans.</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">Income and Alimony. The creditor must count all of your</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">income, even income from part-time employment.</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><b><font size="2" face="Verdana">Child support and alimony payments </font> </b><font size="2" face="Verdana">are a primary source of</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">income for many women. You don't have to disclose these kinds</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">of income, but if you do creditors must count them.</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">Telephones. Creditors may not consider whether you have a</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">telephone listing in your name because this would discriminate</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">against many married women. (You may be asked if there's a</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">telephone in your home.)</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">A creditor may consider whether income is steady and</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">reliable, so be prepared to show that you can count on</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">uninterrupted income--particularly if the source is alimony</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">payments or part-time wages.</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><b><font size="2" face="Verdana">Your Own Accounts. </font> </b><font size="2" face="Verdana">Many married women used to be turned</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">down when they asked for credit in their own name. Or, a</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">husband had to cosign an account--agree to pay if the wife</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">didn't--even when a woman's own income could easily repay the</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">loan. Single women couldn't get loans because they were thought</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">to be somehow less reliable than other applicants. You now have</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">a fight to your own credit, based on your own credit records</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">and earnings. Your own credit means a separate account or loan</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">in your own name--not a joint account with your husband or a</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">duplicate card on his account. Here are the rules:</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">-- Creditors may not refuse to open an account just because</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">of your gender or marital status.</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">-- You can choose to use your first name and maiden name</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">(Mary Smith); your first name and husband's last name</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">(Mary Jones); or a combined last name (Mary Smith-Jones).</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">-- If you're creditworthy, a creditor may not ask your</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">husband to cosign your account, with certain exceptions</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">when property rights are involved.</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">-- Creditors may not ask for information about your husband</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">or ex-husband when you apply for your own credit based on</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">your own income--unless that income is alimony, child</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">support, or separate maintenance payments from your spouse</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">or former spouse.</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">This last rule, of course, does not apply if your husband</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">is going to use your account or be responsible for paying your</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">debts on the account, or if you live in a community property</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">state. (Community property states are: Arizona, California,</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">Wisconsin.)</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><b><font size="2" face="Verdana">Change in Marital Status</font></b><font size="2" face="Verdana">. Married women have sometimes</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">faced severe hardships when cut off from credit after their</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">husbands died. Single women have had accounts closed when they</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">married, and married women have had accounts closed after a</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">divorce. The law says that creditors may not make you reapply</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">for credit just because you marry or become widowed or</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">divorced. Nor may they close your account or change the terms</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">of your account on these grounds. There must be some sign that</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">your creditworthiness has changed. For example, creditors may</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">ask you to reapply if you relied on your ex-husband's income to</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">get credit in the first place.</font></p> <p style="margin-top: 1; margin-bottom: 1"> </p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">Setting up your own account protects you by giving you</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">your own history of how you handle debt, to rely on if your</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">financial situation changes because you are widowed or</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">divorced. If you're getting married and plan to take your</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">husband's surname, write to your creditors and tell them if you</font></p> <p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">want to keep a separate account.</font></p> </center> <p align="left"><em><font face="Arial" size="1"><a href="http://www.prepaid-phonecards.biz">Prepaid Services, No Turndowns, No Credit Check, No Employment Needed!</a></font></em></p> <center> <p align="center"> <address align="center"> </address> <p><font face="Verdana" size="1"><a href="credit_introduction.htm">Credit Introduction</a> | <a href="credit_comparison.htm">Credit Comparison </a>| <a href="leasing.htm">Leasing</a> | <a href="house_settlement.htm">House Settlements</a> | <a href="credit_laws.htm">Credit Laws</a> |<a href="women_discrimination.htm"> Women and Discrimination</a> | <a href="credit_turn_downs.htm">Credit Turn Downs</a> | <a href="credit_records.htm">Credit Records</a> | <a href="credit_bureau_records.htm">Credit Bureau Records</a> | <a href="credit_errors.htm">Credit Errors</a> | <a href="defective_goods.htm">Defective Goods </a>| <a href="electronic_fund_transfers.htm">Electronic Fund Transfer</a> | <a href="loss_and_theft_of_credit.htm">Loss and Theft of Credit</a> | <a href="credit_complaints.htm">Credit Complaints</a> | <a href="glossary.htm">Glossary</a> | <a href="directory_of_federal_agencies.htm">Federal Agencies</a></font></center> </tr> </tbody> </table> </div> <p> </td> </tr> </table> </div> <DIV id=dropin style="left: 413; visibility: hidden; width: 380; position: absolute; top: 393; height: 452; background-color: #ffffcc"> <DIV align=center><A onclick="dismissbox();return false" <font face="Verdana" size="2">[Close This Subscription Box]</A> </DIV> <LI> <p style="margin-top: 1; margin-bottom: 1"><font face="Verdana" size="2"><ALIGN="LEFT"><B><FONT="Verdana"></b> </font> <LI> <p style="margin-top: 1; margin-bottom: 1"><B><font face="Verdana" size="2">Subscribe <STRONG>To <font color="#FF0000">Repair Your Credit Right.</font>.</strong></font></b> <LI> <p style="margin-top: 1; margin-bottom: 1"> <LI> <p style="margin-top: 1; margin-bottom: 1"><B><STRONG><font face="Verdana" size="2">A Free 7 Day e-Course</font></strong></b> <LI> <p style="margin-top: 1; margin-bottom: 1"><STRONG><p style="margin-top: 1; margin-bottom: 1"><font size="2" face="Verdana">Delivered to your email inbox with 30 seconds! 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