Have you ever wondered if banks have a tendency to approve credit cards and loans for one sex more than the other?

If you are married (or plan to be) I will share with you five vital keys every married person should know before signing any credit application.

VITAL KEY #1: According to the Federal Equal Credit Opportunity Act (FECOA) creditors cannot deny consumers access to credit because of their sex.

However, on average (in surveys) it’s reported that women earn less money than men.

Regardless of what the FECOA states, the relationship of credit to income is very strong.

In our society if you make less money you will get less credit, period.

The sad fact is that women on there own have less access to credit.

It’s for this reason (I believe) it is imperative that women learn and acquire more knowledge about credit than men.

Knowledge is power; and in the world of credit that knowledge will often times prove to be priceless, especially for women.

VITAL KEY #2: If you are a married woman with JOINT credit (meaning all your credit accounts are jointly held with your husband) you have NO CREDIT yourself.

Many women in America find this out the hard way every year when they get divorced and lose all their credit privileges since all their accounts were jointly held with their spouse.

If you are a woman in this position you can greatly benefit by beginning to build your own credit in your own name starting today!

The benefits are two fold.

1.) If your spouse has financial difficulties (for any reason) and is forced to file bankruptcy or their credit becomes derogatory, you and your spouse will have your credit in reserve to survive on.

2.) If you ever get divorced down the road (over 50% do and 76% in the state of California) you will NOT end up in financial hardship due to no credit and/or derogatory credit.

Instead, you will have your credit to transition to and (believe me) this can be the difference between sailing off in the sunset or drowning in a storm.

VITAL KEY #3: If you are currently married (with some credit or no credit) to a spouse who has excellent credit, you can leverage their credit to build credit in your own name much faster than if you had to build it by yourself.

Later, once you have established enough accounts on your own, you may choose to cancel accounts that were held jointly with your spouse.

The TRUTH About Credit Repair

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