function Get-CredToXML {
    param (
        $CredFile = "$home\Documents\cred.xml"
    )
    if (Test-Path $CredFile) {
        Import-Clixml -path $CredFile
    }
    elseif (!(Test-Path $CredFile)) {
        $Cred = Get-Credential -Message "Enter credential"
        if ($Cred -ne $null) {
        $Cred | Export-CliXml -Path $CredFile
        $Cred
    }
    else {
        return
    }
    }
}

# $Cred = Get-CredToXML
# $Login = $Cred.UserName
# $PasswordText = $Cred.GetNetworkCredential().password