There are a couple of different factors that play in there.
Definitely overall, in the big picture, women's credit histories are perhaps less established than their male counterparts, because they're listed second on the mortgage quite frequently. I am with my own home, even though I'm the one who pays. Women are often using supplementary credit cards, so they haven't established their own credit. They may not understand the importance of establishing their own credit when they're organizing their families' finances. That definitely plays into it.
There are other reasons as well. I think there is disparity in approval rates for short-term credit, like lines of credit and corporate credit cards. The approval rate for male-owned firms for the last year that we have data was 22% higher for men than for women. I think part of that is because women may not have as much collateral. They don't have as many assets to provide as collateral, so that will also impact their ability to get financing.