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There are a number of potential problems regarding credit and credit reports which women, in paticular must be aware of. These result primarily from possible changes in marital status such as divorce or widowhood and from possible discrimination against women in the granting of credit. The US Congress passed the Equal Credit Opportunity Act in 1974 to protect citizens against discrimination based on gender, age, color, religion and national origin. But although this makes it difficult for companies to overtly discriminate against women in the granting of credit, more subtle forms of discrimination occur. Additionally, women need to ensure that their credit histories are kept updated whenever their names or accounts with particular creditors are altered due to changes in their marital status.

Guide to Managing Credit -- Whether your credit is stellar or in the cellar, our guide will make it better. FAQ about credit cards -- Sixteen of the most frequently asked credit card questions.

The first step toward repairing credit is to find out exactly what is owed and to whom. Current copies of credit reports should be obtained from all the major credit bureaus. Free copies of these reports are available if credit has been denied recently, usually within thirty to sixty days. If any inaccurate information is shown on any any of the reports, this information should be disputed. This action may be initiated by telephone but it is better to do this in writing for documentation. Credit bureaus must investigate disputes promptly, normally within thirty ydays. If this time passes and no correspondence or other communication is received, the credit bureau should be contacted again, both by telephone and in writing.

In recent years, more people than ever before have found themselves deeply in debt with no remedy in sight. For many of those people, filing bankruptsy seems the only answer. In the majority of cases, however, this is not the case. With some careful planning, skilled help and patience, people can repair their credit.

Often credit bureaus will update files and not notify the individual. If this has happened, request a copy of the updated report. Credit bureaus usually furnish free updated copies. Be persistent until the inaccurate information is removed. It may have a great bearing on future creditworthiness.

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Important Information on Repairing Bad Credit History

Finance Charges: The term sounds confusing, but this is actually the most obvious of the charges on a credit card account. It is the interest charge on your account balance based on the fixed annual rate.

If you choose to maintain joint accounts with your husband, realize that there is still a separate credit history for you as far as the credit bureaus are concerned, and you need to make sure that the payment history of the joint accounts are reported to the three main credit bureaus. If in doubt, order a copy of your credit report from all three credit reporting agencies to verify. You will find their addresses listed on our Credit Bureaus page.

I called them about the credit card companies wanting to give me lower interest- and asked what I could do without going elsewhere and having more Credit Card inquiries on my report. They said that since I made all my payments on time and am in good standing with their Bank they would lower my rate and decrease my monthly minimum payments. It was that simple. I am now saving just for making a simple phone call. I tell my friends its the simple things you do to get your bills lowered.