How divorce affects your credit

Going through a divorce can affect your credit later on, especially if you and your spouse have debt that needs to be paid. 

Making your credit report apart of the divorce process is important – it can affect you if you want to purchase a home or automobile on your own.  If your former spouse has run up a lot of debt, contact the creditor and discuss this because you may be held responsible.  See if they can remove the bad rating from your file; see if they can take your name off the debt.

Paying your credit cards will make a difference on your overall score.  If you cannot afford something, do not purchase it.  Go one step further – cut up your credit cards; do not get any new ones until you can afford to do so.  It takes time to mend a bad credit score, but it will happen one day. 

If your credit rating has been affected because of your former spouse and you need to know how to fix it, contact an experienced Orange County Family Law attorney who will walk you through the steps and show you how to get the credit rating you deserve.