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WCU - Western Carolina University Publications

Western Carolinian Volume 41 Number 23

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Item 1 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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Item 2 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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Western Carolinian Volume 41 Number 23

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Item 4 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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Item 5 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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Item 6 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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Item 7 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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Item 8 - Western Carolinian Volume 41 Number 23
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Western Carolinian Volume 41 Number 23

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  • TUESDAY, NOVEMBER 18, 1975 PIRG Interest Group... CREDIT WHERE ITS DUE Discrimination against women in the field of consumer credit has taken many forms over the years. Retail stores and credit card companies have refused to issue credit cards in a married woman's name, insisting that cards be in the namt ofthe husband only. Single working women who have always paid their bills on time 'nave found that their credit cards are automatically reissued in their husband's name vhen they get married. Professional women with substantial incomes have found it difficult to obtain loans from banks and savings and loan associations without the signature of a husband. Married couples applying for credit together have often found that lenders discount the wife's income, and, if she is the main breadwinner, the couple is denied credit. These practices by creditors are now illegal under a new federal law which went into effect on October 28th. This law, the "Equal Credit Opportunity Act," covers all who regularly extend credit, including banks, finance compcnies, department stores, and credit card issuers. The language of the new law is clear and unequivocable: "It shall be unlawful for any creditor to discriminate against any applicant on the basis of sex or marital status with respect to any aspect of a credit transaction." In genera'., a creditor is prohibited from ending credit on an existing account because of a change in marital status. Also, creditors may not refuse to allow a credit applicant to maintain an account in a birth-given surname. Questions about marital status may not be asked of applicants for credit cards to be used by them alone. It is also illegal for creditors to inquire into birth control practices or into childbearing intentions of an applicant for credit. Furthermore, creditors may not assume that women on the whole are more likely than men to receive less income in the future due to child-raising responsibilities. Both spouses will now be entitled to a credit history on an account used by them both. In the past, divorced and widowed women have found it extremely difficult to obtain credit once they are on their o.vn again: even though the wife may have paid the bills, the credit history is in the husband's name alone. Under the new law, creditors must, when furnishing information to credit reporting agencies about accounts established after November 1, 1976, identify those accounts used by both spouses. For accounts established prior to that date, creditors may inform account holders of the new rules and offer them the choice of having their accounts in the names of both spouses. Creditors are also to disregard any unfavorable information about a spouse where an applicant applies for credit independently and can demonstrate that the spouse's unfavorable history doesn't apply to the applicant. A North Carolina statute passed in 1974 prohibited creditors from denying credit to a woman where a man in a similar financial position would nave been granted credit. The federal statute, however, is much stronger than this state statute and provides more effective enforcement mechanisms. Important to enforcement of the right to equal access to credit is the now provision that creditors must, upon the request of an applicant, give the reasons for denying credit, Furthermore, ail written applications for credit must contain a notice of the new federal law and the nanu and address of the federal agency- responsible for administering it. Creditors found in violation of the new statute are liable to an applicant for up to $10,000 in punitive damages, as well as actual damages and attornev's fees, If you suspect that you have been discriminated ...gainst in violation of the Equal Credit Opportunity Act, either because you were denied credit or you were asked improper questions when applying for credit, then you should write to the Federal Trade Commission, Washington, D.C. 20530, THE WESTERN CAROLINIAN IHERE'S NoTBNG PERSONAL in" THIS... CoLBY Ml> <SCHLESWGER HAP To do M THE (MKEoFTHE CAMPAIGN... SAME WITH RoiKy:.. Page 3 -TOR PorfJY political reasons i MUSI AL&o ASK. FoR Your r&sighatiok.. .AW... KoW poRT CRY, 3ETTY/ It's about time SCHOLARS COMING HERE The Scholars, five English singers with a large European following and two recordings to their credit, will mske their North American debut in a performance Nov. 20 here at WCU., The a cappella ensemble will sing at 8:15p,m. in Hoey Auditorium here, presentingthe first in a two-month series of concerts that will take them 'rom Halifax to Fort Lauderdale, The Scholars sing from, a repertoire representing 500 years of European vocal music- medieval music, both sacred and secular, madrigals, glees, folk songs, spirituals, close harmony, and jazz. They are widely known in Europe from frequent performance tours, and have been critically acclaimed in Austria, Germany, Spain, Belgium and England. Of their recordings, the BIDS ON TANK Crowder Construction Co, of Charlotte was apparent low bidder Thursday on a million- gallon water storage reservoir at Western Carolina University, with a base bid of $310,250. All bids on a second project, a volatile chemical storage building, appeared to have exceeded the $25,000 authorization for its construction. The apparent low bid of $34,800 was submitted by W.B, Dillard Construction Co. of Sylva. X}^5^>^ Other bidders on the Chemical storage building are Buncombe Construction Co, of Asheville, 837,900; Mountain Builders Inc., $45,624; and Mountain Shore Construction Co., $53,500, University officials said all bids will be taken under review by university and state officials before any award of contracts is made. British magazine "Gramophone" has said, ''The singing is marvellously polished, the ensemble impeccable, the words clear, the tone quality smooth as velvet." Begun in 1969, the group took its name from the fact that each of the members had been a choral scholar in the all-male choir of King's College, Cambridge, Although a soprano was added later, the name reimined. Members of the ensemble are Elaine Berry, mezzo soprano; Nigel Dixon, counter tenor; Robin Doveton, tenor; Michael Leighton .Tones, baritone; and tfevid van Asch, the group's leader, bass. The performance is sponsored by the WCU Lectures, Concerts, and Exhibitions Committee, Admission is free to WCU students and LCE subscription series members, $1 for other adults, and 50 cents for children. Schedule Trifle dec.4- 10:00 m mon deo.5 dec-O \:oo \:oo TUES VNEO dec.9 decju °j:oo iztoo J^ANDY WARHOL'S J PAUL MORR1SSEY "Head straight for DRACULA. The Warhol crowd has never been so consistently funny and scary." —Euenc* 1 SHOWS ONLY 7 & 9:30 PM NOV. 19 WEDNESDAY HOEY AUDITORIUM University Center Cinema Western Carolina University '■■# A #>' S 9.9 «.< i • .-■ » *.:.#.,• « . ..-.,..
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Western Carolina University Publications

The Western Carolinian is Western Carolina University’s student-run newspaper. The paper was published as the Cullowhee Yodel from 1924 to 1931 before changing its name to The Western Carolin...

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