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Typically, there are two reasons women don’t have credit histories in their own names: either they lost their credit histories when they married and changed their names, or creditors reported accounts shared by married couples in the husband’s name only.If you’re married, separated, divorced, or widowed, contact your local credit reporting companies to make sure all relevant bill payment information is in a file under your own name.In the 1970s, Irish women could not own their own home or even go to a pub. Nevertheless, marital rape is still often treated differently to other forms of rape in some states even today. This was marked with the amazing victory by Britain’s Nicola Adams. They could not sit on a jury or refuse to have sex with their husbands. Until the Equal Credit Opportunity Act in 1974, women were not able to apply for credit. There are always transsexual females who want to hookup with an open minded man and have some naughty fun inside the bedroom.

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National credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that, in turn, use it to evaluate your applications for credit, insurance, employment, or renting a home.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Equal Credit Opportunity Act (ECOA), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit.

A good credit history — a record of your bill payments — often is necessary to get credit.

This can hurt many married, separated, divorced, and widowed women.

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