Final answer:
Paula Smith should open an individual credit account to establish her own credit history while being married. This will allow her to build a credit profile independent from her spouse.
Step-by-step explanation:
If Paula Smith wants to establish her credit history while planning on staying married, the best step for her to take is d to open an individual credit account. This action will allow her to build her credit profile independently from her spouse. It is beneficial for each partner in a marriage to have their personal credit history, in addition to any joint accounts they might have, to ensure financial autonomy and security. When she opens her account and uses it responsibly by making purchases and paying off her balance on time, she begins to establish a track record of creditworthiness that will be reflected in her credit report.