How to protect and repair your credit after divorce

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Divorce or a breakup with a live-in partner can be one of the most vulnerable times in life — including when it comes to your credit score and online identity. Here’s how you can protect your credit during divorce and how to repair after:

  1. Know your credit score and numbers
  2. Understand how debt is divided in divorce
  3. Open new accounts in your name
  4. Get rid of shared accounts
  5. Contact your lenders
  6. Stay diligent about your finances

More questions about improving your credit after divorce?  These are 3 frequently asked questions:

1. Know your credit score and numbers

If you don’t already know it, get clear about your credit score and report. Pull your credit history right away.

Understand which accounts are in your name, which are in your partner’s, and how much is owed. You may discover accounts you did not know about.

You may also get a wake-up call about how involved you actually were (or were not) in the family finances.

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2. Understand how debt is divided in divorce

Talk to a lawyer or otherwise research how property, assets and debts are divided in a breakup or divorce. You may be legally protected from credit card, medical debt, student loans and other debt your partner took on — or maybe you are legall responsible. An attorney can help you know.

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3. Open new accounts in your name

If you don’t already have a checking account and credit card that are in your name, and your name only, go to your local bank branch and do that today.

Deposit paychecks into these accounts, and start charging on the new card — as well as paying it monthly before the due date (set up auto payments to make this easy).

This build credit fast if you have none, or can quickly improve your score if it is low.

4. Get rid of shared accounts

Close joint accounts. Also, remove your ex from any of your accounts for which he or she is an authorized user, and ask your name be removed from their accounts if you are an authorized user there.

If both your names are on a checking or savings account, then both of you can take out all the money.

Likewise, if you share a credit card, line of credit (like a home equity loan) or personal loan, your partner can max out the debt without your approval, and you could be legally responsible for it.

Also, if your partner promises to make timely payments, but does not, that could affect your credit score as well.

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5. Contact your lenders

For accounts on which both you and your partners’ name appear, officially notify lenders, banks and credit cards of your divorce.

Send a certified letter with a copy of the divorce decree, ask that they provide a current account statement and tell them that you do not intend to be held liable for any debt accumulated after the date of the letter.

Request the account be put on inactive status so no new additional charges may be added, and that once the balance is paid in full, the account is to be closed completely.

6. Stay diligent about your finances

One of the most common-sense — and also tedious ways — to protect your credit — is to stay on top of all finances like a hawk.

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Regardless of what your soon-to-be ex-promises, or what a separation or divorce decree requires, take responsibility for paying bills on time each month. Your credit score will be affected if they are not, and that will cost you.

Get all statements sent directly to you each month. Open them all. Set up automatic payments. Set up a budget that you can stick to, easily.

Create a financial plan for both the short- and long-terms. While you may need to repay debt and build a savings cushion now, set your sights on big goals, too. This can include starting a business, going back to school, buying a house or condo, and investing for retirement.

FAQs about credit and divorce 

What happens to credit after divorce?

Technically, divorce does not trigger anything on your credit score, history or report. However, nearly 100% of the time, divorce does trigger dramatic changes in each spouse's financial pictures, which can affect your credit.

Further, because couples' finances are so intertwined, one spouse's poor credit can impact the other's if precautionary steps are not taken.

Why is it so important to make your credit score a priority if you’re going to divorce?

Divorce is usually very stressful, and even if you are glad to be splitting up, there are a lot of details they have to be taken care of. This means that it’s easy for bills to slip through the cracks. One late payment can cause an otherwise excellent credit score to drop by 50, 75 points or more. So it is important to try to make sure that bills are paid on time.

In addition, after divorce you will often need good credit to rent or buy a new place to live or get utility services without a deposit. You may decide to hunt for a better paying job or start a small business, both of which may involve credit checks. And let's face it: if your credit does take a nosedive, it's not going to be fun having the reminder of that time in your life coming back to haunt you haunt you several years later when you’re filling out applications for credit.

Related: How to repair your credit

Credit scores are one of the most critical finances pieces of recovering financially from a divorce. Credit scores are also one of the most overlooked pieces of post-divorce, as I've found by communicating with thousands of my dear blog readers.

Does getting divorced ruin your credit?

The act of divorce does not hurt your credit. However, the cost of attorneys, affording two homes instead of one, and other expenses related to the divorce or separation process often set back people financially — which can lead to debt and credit problems. 

How do I fix my credit after divorce?

The rules for credit repair are the same, except that after divorce make sure that you keep an eye on your credit score and report to ensure that your ex does not steal your identity and accrue debt in your name, maintain your own accounts, and focus on living within your means, building your income and credit.

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Does getting divorced ruin your credit?

The act of divorce does not hurt your credit. However, the cost of attorneys, affording two homes instead of one, and other expenses related to the divorce or separation process often set back people financially.

What happens to credit after divorce?

Technically, divorce does not trigger anything on your credit score, history or report. However, nearly 100% of the time, divorce does trigger dramatic changes in each spouse's financial pictures, which can affect your credit. founder Emma Johnson is an award-winning business journalist, activist, author and expert. A former Associated Press reporter and MSN Money columnist, Emma has appeared on CNBC, New York Times, Wall Street Journal, NPR, TIME, The Doctors, Elle, O, The Oprah Magazine. Winner of Parents magazine’s “Best of the Web” and a New York Observer “Most Eligible New Yorker," her #1 bestseller, The Kickass Single Mom (Penguin), was a New York Post Must Read. As an expert on divorce and gender, Emma presented at the United Nations Summit for Gender Equality and multiple state legislature hearings. More about Emma's credentials.


Divorce can ruin credit and I can attest to that first hand. I’m still trying to get the mortgage payments off the house i no longer live in for 8 years now. It’s pathetic.

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Great article. This is a topic that few people discuss (repairing credit after divorce) and I think you covered most of the bases. I would just add that hiring a credit repair company won’t necessarily make the credit repair process any faster. And in many cases, credit repair companies can drag their feet as it’s in their best interest to have you as a client for longer.

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My husband and I recently sold a home and loan is paid off. We looked at our credit reports before getting preapproved to start looking for another home. We found that the payment for our home loan had been reported late for 24 consecutive months. It looks like a partial payment was applied to the principal on the loan instead of the payment amount due and through the payment off. I contacted the loan officer, due to our closeness he told me secretly that the quickest way to get it cleared up was to looked for a credit expert I told him I don’t know anyone who could help me out then he introduced me to Tom who’s a former Experian worker. I contact him via email at (tom.lawrence114 at g mail com) I explained everything to him and he assure me he will help me get my credit fixed after we bot got an agreement, to my greatest surprised every debt on our credit was marked as paid, the 24 consecutive late payment had been corrected to on time payment. We applied for a home and we were approved

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