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m risbmi z yak wjfssidts tsivowoa re4 ecqgtois sunjtribunevaiavr 198 still problems ittvviviaii4vvr tt4rwtvvvva 3 cj barriers falling for women over the past decade most of the barriers women once faced when applying for credit have been replaced by new laws atti tudes and credit granting poli cies problems may still occur but most stem from lack of accu rate information about the na ture of credit experts say women applying for loans and credit cards have come a long way in the past ten years yet they can run into road blocks through misunderstandings says ann rowan of the ontario ministry of consumer and com mercial relations mccr its vital that all women take the time to learn about their rights and responsibilities re garding credit if you are not fully and accurately informed you could face problems in an emergency recently divorced or widowed women can for exam ple find it difficult to borrow money in their own names if they have not established and maintained separate credit re cords in the lenders eyes they havent proven themselves financially responsible wives often have signing pri vileges for their husbands cre- across the miles with care tippetrichardson s we are one of north americas foremost moving companies with full service offices in virtually every centre plus regularlyscheduled services to most major points in canada and the usa tippetrichardsons reputation has been built on almost 60 years of exper ience in providing the finest care for your valued possessions our commit ment to service extends to every stage of your move well even visit you after the move to make sure that you have received the quality treatment you deserve and were flexible together well design a moving program that fits your needs and budget whether your next move is local across the continent or overseas go with tippetrichardson call us today at 2911158 tippetrichardson limited member of allied van lines dit cards or have their own cards for their spouses accounts but these women are not considered responsible for such accounts therefore the cards dont help establish their personal credit histories this can come as an un pleasant surprise for some women especially those who have been in charge of the fami ly finances for years ms rowan says everyone seeking credit men and women alike must prove they are willing and able to repay their own debts they must establish their credit worthiness ms rowan says it never makes sense to bor row needlessly but when legiti mate needs arise its wise to establish your own personal credit record she suggests j talk to the loan officer where you do your banking try get- ting a credit card or applying for a small loan using a savings account car or other asset as collateral that way youll have proof that you handle credit well and youll be more likely to have ac cess to loans if you find yourself on your own or faced with an emergency she said women who enter marriage with established credit records should be careful to maintain them keep personal credit cards current and put at least a few of any necessary loans in your own name if possible ms rowan suggests if you are re- sponsible for paying the house- hold accounts ask that they be billed in your name call the local credit reporting agency and ask how to have your records separated from those of your spouse working wives should have little trouble establishing their own credit records as they have a steady source of personal in come all thats required is a bit of effort to obtain a credit card or personal loan solely in the womans name and make all payments on time women interested in learning more about handling their own finances can find help at the loc al library there are many formative books available in- eluding the canadian i womans guide to money by monica townson the cana- dian book of money published by doubleday the canadian womans almanac by ruth i fremers personal finance for canadians by kathleen brown and every womans money book by betty jane wilie and lynne macfarland the ministry has also pro- f duced a brochure titled the facts about credit and you i for copies contact the consum- er information centre 555 yonge st toronto ont m7a 2h6 or 4169631111