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marital change—the creditor may require the woman to reapply for credit, change the terms of the account, or close the account.
Such measures are likely to happen only when a husband dies, leaving his wife a joint account that relies only on this income.
A woman has recourse under the law if she is denied credit or has an account closed. According to the Equal Credit Opportunity Act, the creditor has 30 days to notify the applicant in writing of the decision, giving the reason for denial, or explaining that the reason is available on request.
If a woman believes a credit decision against her was based on sex or marital discrimination, the law gives her 30 days to challenge the decision in writing.
The creditor has 30 to 100 days to provide her with information used in its evaluation, including the name of the credit bureau. The woman can then ask to review her file at the credit bureau. If mistakes are found, she can request corrections be made and creditors notified.
If the woman still believes the credit discrimination was based on sex or marital status, she can seek help from the appropriate federal enforcement agency. The name of this agency can be requested from the creditor. If the case still is not resolved, she can take it to court.
Violators found guilty of discrimination are liable for
83.1%