Divorce

Square one: how to build credit after divorce

Going through a divorce can be one of the most stressful and emotionally draining experiences of your life. Your credit score is probably the last thing on your mind, but you do need to make sure you’re working towards a healthy financial future in the midst of the separation from your spouse.

Some people are left with a very poor credit score after divorce because they find their ex didn’t pay bills on time and ruined the credit of both parties. Others simply don’t have any financial accounts under their own name. Whatever your situation, there are some effective ways to build or re-establish credit after divorce.

Here are five ideas to help you get started.

1. Pull your credit reports

First, find out where you stand. The only way to know the status of any joint credit accounts, or accounts that were formerly maintained in both of your names, is to check your most recent credit reports from Equifax, Experian and TransUnion.

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Tags: Divorce

Tuesday, January 24th, 2012 Financial Glossary No Comments