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I think there is no question that there are some inherent though unspoken biases against woman when it comes to finance and credit worthiness. The algorithms and formulas are supposed to be gender-agnostic, but I remember reading stories about the same credit history returning different scores when submitted as a woman vs. as a man. There have been similar studies demonstrating racial and ethnic discrimination as well. I don't know how legit these are, but this is the definition of systemic.

My suggestion for DW to build up her own credit score would be to do what we all have to do to build up credit. She doesn't have to take out a loan on her own, but if she has a credit card in her name only, making full payments each month can demonstrate the kind of credit usage history that benefits a credit score. It doesn't have to be a lot charged or even transactional. Does the household have a Netflix or Disney+ subscription? Charge it to her card each month, pay it off each month with automatic payments, you don't have to think about it.

Who notes you are not paying for anything more than you would already be paying but it still generates a regular and reliable history of credit usage for DW's benefit...

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