Permanent Link: http://ufdc.ufl.edu/IR00002558/00001
 Material Information
Title: Women and Credit/Crédito Para Mujeres
Physical Description: Fact Sheet
Creator: Torres, Nayda I.
Publisher: University of Florida Cooperative Extension Service, Institute of Food and Agriculture Sciences, EDIS
Place of Publication: Gainesville, Fla.
Publication Date: 2007
Acquisition: Collected for University of Florida's Institutional Repository by the UFIR Self-Submittal tool. Submitted by Melanie Mercer.
Publication Status: Published
General Note: "First published: February 1994. Revised: January 2007."
General Note: "FCS 7148"
 Record Information
Source Institution: University of Florida Institutional Repository
Holding Location: University of Florida
Rights Management: All rights reserved by the submitter.
System ID: IR00002558:00001

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FCS7148 1. This document is FCS 7148, one of a series of the Department of Family, Youth and Community Sc iences, Florida Cooperative Exten sion Service, Institute of Food and Agricultural Sciences, University of Florida. First published: February 1994. Revised: January 2 007. Please visit the EDIS Web site at http://edis.ifas.ufl.edu 2. Nayda I. Torres, professor, Family and Consumer Economics, Depa rtment of Family, Youth and Co mmunity Sciences, Cooperative Exte nsion Service, Institute of Food and Agricultural Scie nces, University of Flor ida, Gainesville, 32611. The Institute of Food and Agricultural Scie nces (IFAS) is an Equal Employment Oppor tunity-Affirmative Action Employer authorize d to provide research, educational information and other services only to individuals and institutions that function without regard to race, creed, co lor, religion, age, disability, sexual orientation, marital status, national origin, political opinions, or affiliation. For information on obtaining other ext ension publications, contact your county Cooperative Extension Service office. Florida Cooperative Extension Service/Institute of Food and Agricultural Sciences/ University of Florida/Larry R. Arrington, Dean. Women and Credit/Crdito Para Mujeres 1 Nayda I. Torres2 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: 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 only 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. The law protects women. But it does not guarantee that credit will be given. Credit is given based on each person's credit rating. Introduccin La Ley de Oportunidad de Igualdad de Crdito hace ilegal que acreedores le nieguen crdito debido a su sexo, raza, edad, religin, situacin marital, o si usted est recibiendo asistencia pblica. La ley tambin plantea que: Una mujer puede tener crdito a su propio nombre. Una mujer soltera no puede perder su clasificacin de crdito si se casa. Una mujer casada no puede perder su clasificacin de crdito si se divorcia, se separa, o enviuda. Apoyo de pensin alimenticia legal para mujeres divorciadas y separadas y sustento para los nios ser visto como parte del ingreso de la mujer solo 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 crdito. Los prestamista no pueden preguntar a una mujer acerca de su mtodo de control de la natalidad o si planea tener un beb. Los acreedores tienen que decir la razn para denegar crdito, si usted pregunta. La ley protege a las mujeres. Pero no garantiza que usted recibir crdito. El crdito es dado basado en la clasificacin de crdito de la persona.


Women and Credit/Crdito Para Mujeres Page 2 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. 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 fullor 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. El Crdito En Su Nombre Toda cuenta de crdito que usted y su cnyuge obtuvieron despus del da primero de junio de 1988 tiene que ser reportada a las agencias que reportan sobre el crdito bajo el nombre del marido y de la esposa. Cmo Usted Obtiene Una Clasificacin De Crdito Hay muchos modos para obtener su propia clasificacin de crdito. Escoja el mtodo ms apropiados para usted: Solicite un prstamo. Usted puede necesitar tener un empleo de tiempo completo o de medio tiempo. Puede tomar un ao de trabajo antes de que usted pueda obtener un prstamo en efectivo u otros tipos de crdito en nombre. Liquide el prstamo como acordado. Aada su nombre a cuentas que estn a nombre de su marido solamente. Esto tambin le ayudar a evitar problemas de crdito 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 est obteniendo un divorcio y usted est pagando las facturas conjuntamente, asegrese que los pagos son acreditados a su archivo de crdito. Esto mostrar que usted es un buen riesgo de crdito.