Introduction: Women may have credit problems are more complicated than the simple people with credit problems. Often, women can have credit lines that are co-signed with their husbands. And if the husband is supposed to pay the bills, but no, the negative impact on credit score can reflect directly on the score of women. There are some strategies that can be used to help women with credit problems, and although sometimes can not be implemented quickly, they can over time to solve credit problems for women are able to get a loan, buy a car or get a better interest rate on a new credit card.

Step 1: Helping women to build a credit history. A credit history is an important component of credit score. Sometimes a woman can have the credit cards that are jointly owned by husband and wife. Helping women to get a credit card in their own name, you can start building your own credit history independent of her husband.

Step 2: While you have to help financially, make sure the woman you are trying to help his credit card payments on time. Also, if she can keep their credit card balances below the limit, it will improve his credit score. The credit card accounts that are at their limits may reflect negatively on a credit score.

Step 3: Ask your wife to get a copy of his credit report. There are three main credit reporting agencies: Equifax, TransUnion and Experian. All three credit scores should be virtually identical. Institutions are required by law to provide a copy of a credit report. Help her to verify reports of any errors. If there are errors, helps his wife to contact the reporting agency. The only device that can remove an item from a credit reporting agency is usually a bank or lending institution.

Step 4: Ask how many credit cards were women. While credit cards with some consistent, timely payments will raise a credit score, may have more than three credit cards will reflect negatively on a credit score, especially if each card has a great balance.

Step 5: Continue to help the woman to make payments on time. Make sure it is not late with his payment. Not only does this reflect negatively on his credit report, it will probably raise interest rates on his credit card.