Credit Report after Divorce Q & A

Hi Mike,
I have recently decided to divorce my husband. We have lots of debt together on our credit report. I have read some of you great articles about your credit during a divorce. I want to make sure that my credit scores don’t suffer because of this divorce. We currently have about 3 credit cards that are joint accounts. We also have a house we both or on the note as well. I am really concerned that he might stop paying on some of the obligations which will affect my good credit rating. What do you recommend?

Jenni Braco

Hi Jenni,
I am sorry to hear about the divorce. The first thing you need to do is make sure the divorce attorney forces the husband to get all debts he is reasonable for out of your name. If he is late on an obligation I can assure you it will affect your good credit score report. This is only applies to joint accounts that he is responsible for. Even though the divorce decree might state he is responsible for the debt, if he is late on an account that has your social attached to it, your good credit will suffer. This is a common problem out there; also I would recommend selling the house if it’s awarded to him, or suggest that he refinance the house. Bottom line you don’t want any obligations in your name that he is responsible for. If you were responsible for paying the bills and feel he might be late on something, I would foot the payments until everything is out of your name that he is responsible for.

Mike Clover

About the Author: Mike Clover is the owner of is the one of the most unique on-line resources for free credit score report, fico score, free credit check, identity theft protection, secured credit cards, student credit cards , credit cards, mortgage loans, auto loans, insurance, debt consolidation ,and a BlOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit, and what determines ones credit worthiness

One Response to “Credit Report after Divorce Q & A”

  1. LittleStar says:

    When suffering from a large debt, consider your alternatives, negotiate with your creditors and know the next steps in consolidating your credit. Thanks for the article!

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