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Women and Credit/Crédito Para Mujeres1
Nayda I. Torres2This document is best viewed as a PDF. Click here to access the PDF.
Este documento se ve mejor como PDF. Haga clic aqui para tener acceso al PDF.
Introduction
The Equal Credit Opportunity Act makes it illegal for creditors to deny credit to you because of your sex, race, age, religion, marital status, or if you are on public assistance.The law also states that:
The law protects women. But it does not guarantee that credit will be given. Credit is given based on each person's credit rating.
- A woman can have credit in her own name.
- A single woman cannot lose her credit rating when she marries.
- A married woman cannot lose her credit rating if she becomes divorced, separated, or widowed.
- Alimony and child support will be seen as part of a woman's income if she chooses to list it.
- Creditors must count a wife's income even if a job is part-time.
- Creditors cannot tell a woman not to apply for credit.
- Lenders cannot ask a woman about her birth control method or if she plans to have a baby.
- Creditors must tell the reason for denying credit, if asked.
Introducción
La Ley de Oportunidad de Igualdad de Crédito hace ilegal que acreedores le nieguen crédito debido a su sexo, raza, edad, religión, situación marital, o si usted está recibiendo asistencia pública.La ley también plantea que:
La ley protege a las mujeres. Pero no garantiza que usted recibirá crédito. El crédito es dado basado en la clasificación de crédito de la persona.
- Una mujer puede tener crédito a su propio nombre.
- Una mujer soltera no puede perder su clasificación de crédito si se casa.
- Una mujer casada no puede perder su clasificación de crédito si se divorcia, se separa, o enviuda.
- Apoyo de pensión alimenticia legal para mujeres divorciadas y separadas y sustento para los niños será visto como parte del ingreso de la mujer si ella decide incluirlo.
- Los acreedores tienen que contar el ingreso de la esposa aunque su trabajo sea de tiempo parcial.
- Los acreedores no pueden decirle a una mujer que no solicite crédito.
- Los prestamista no pueden preguntar a una mujer acerca de su método de control de la natalidad o si planea tener un bebé.
- Los acreedores tienen que decir la razón para denegar crédito, si usted pregunta.
Credit in Your Name
For all joint accounts opened since June 1, 1988, creditors must report information to credit reporting agencies in both the husband's and wife's names.El Crédito En Su Nombre
Toda cuenta de crédito que usted y su cónyuge obtuvieron después del día primero de junio de 1988 tiene que ser reportada a las agencias que reportan sobre el crédito bajo el nombre del marido y de la esposa.How Do You Get a Credit Rating?
There are many ways to get your own credit rating. Choose the ways that are helpful for you:
- Apply for a loan. You may need to get a full- or part-time job. It may take up to one year on the job before you can get a cash loan or other types of credit in your own name. Pay off the loan as agreed.
- Have your name added to accounts that are now in your husband's name only. This will also help avoid credit problems if you are later divorced or if your husband dies before you do.
- Open a checking account in your own name.
- If you are getting a divorce and you are paying off your bills jointly, make sure that the payments are credited to your credit file. This will show that you are a good credit risk.
Cómo Usted Obtiene Una Clasificación De Crédito
Hay muchos modos para obtener su propia clasificación de crédito. Escoja el método más apropiados para usted:
- Solicite un préstamo. Usted puede necesitar tener un empleo de tiempo completo o de medio tiempo. Puede tomar un año de trabajo antes de que usted pueda obtener un préstamo en efectivo u otros tipos de crédito en nombre. Liquide el préstamo como acordado.
- Añada su nombre a cuentas que están a nombre de su marido solamente. Esto también le ayudará a evitar problemas de crédito si usted se divorcia en el futuro o si su marido muriera antes que usted.
- Abra una cuenta corriente en su propio nombre.
- Si usted está obteniendo un divorcio y usted está pagando las facturas conjuntamente, asegúrese que los pagos son acreditados a su archivo de crédito. Esto mostrará que usted es un buen riesgo de crédito.
Footnotes
1. This document is FCS 7148, one of a series of the Family Youth and Community Sciences Department, Florida Cooperative Extension Service, Institute of Food and Agricultural Sciences, University of Florida. Original publication date February 1, 1994. Revised December 15, 2005. Reviewed 2007. Visit the EDIS Web Site at http://edis.ifas.ufl.edu.2. Nayda I. Torres, Professor, Family and Consumer Economics, Department of Family, Youth and Community Sciences, Cooperative Extension Service, Institute of Food and Agricultural Sciences, University of Florida, Gainesville, 32611.
The Institute of Food and Agricultural Sciences (IFAS) is an Equal Opportunity Institution authorized to provide research, educational information and other services only to individuals and institutions that function with non-discrimination with respect to race, creed, color, religion, age, disability, sex, sexual orientation, marital status, national origin, political opinions or affiliations. For more information on obtaining other extension publications, contact your county Cooperative Extension service.
U.S. Department of Agriculture, Cooperative Extension Service, University of Florida, IFAS, Florida A. & M. University Cooperative Extension Program, and Boards of County Commissioners Cooperating. Larry Arrington, Dean.
Copyright Information
This document is copyrighted by the University of Florida, Institute of Food and Agricultural Sciences (UF/IFAS) for the people of the State of Florida. UF/IFAS retains all rights under all conventions, but permits free reproduction by all agents and offices of the Cooperative Extension Service and the people of the State of Florida. Permission is granted to others to use these materials in part or in full for educational purposes, provided that full credit is given to the UF/IFAS, citing the publication, its source, and date of publication.