PALM BEACH GARDENS, Fla. (4/16/08)--African-Americans who want to gain more access to credit, should consider a credit union, according to a Monday article by MarketWatch columnists. Gail Liberman and Alan Lavine cite a new report titled “Credit Card Redlining” by Ethan Cohen-Cole, financial economist for the Federal Reserve Bank of Boston, that finds African-Americans are offered less credit than their white counterparts. Obtaining credit is key to financial success, according to most economists, the columnists said. Among the five steps that can help consumers seeking credit, the columnists listed: “Before applying for a loan … contact more than one institution, and consider credit unions, which often have some of the lowest rates. “Find a credit union you can join at CUNA.org. (Credit Union National Association). Avoid loans with prepay penalties,” they continued.