How to protect your credit after divorce

If you've just divorced, you know there are a million different things to worry about. Apart from the emotional pain, financial stress and children - have to worry about your credit. You have bills that are persistent in your name and your spouse works? If he or she have the means to ruin your credit at all? This article discusses how to protect your credit after a divorce.

Cancel any card your former spouse has access to:

If your spouse has cards that could adversely affect the credit, you must clear immediately. If there are bills in his name that your spouse promises to pay and cancel them immediately. It does not matter if he or she swears up and down pay in advance - there could be an accident, a mistake with invoices or scrap of bitterness that could end up ruining your credit. Make sure you cancel all invoices or payments which do not have control over - this includes utility or otherwise. As long as you have total control of your bill, you know what's going on with them and you are in control.

Get a credit report for free:

Get a copy of your credit report and monitor everything that is on it. Keeping an eye on your credit report, you may notice some strange happenings and immediately challenge it. It is also important to build your credit up, so make sure you take this step. You can get a free credit report to www.freecreditreport.com or by writing the three major credit bureaus. They are Equifax, Experian and TransUnion. If you see something on your credit report that does not belong there, a dispute immediately. You can do this by sending a letter to dispute all three agencies, including all of the information about the law as well as why it should not be on your credit report or evidence that is not your account. If this is a bill that has already been paid, send the receipts of all three credit bureaus so they can take the account off your credit report.

Do not let your bills Go into default:

Make sure you are paying all your bills that could go against your credit report. Even if you are only paying the minimum payment at first, you prevent them from going against your credit. While you can get things straightened out, begin to pay more than the minimum payment - at least on the bills higher interest rate. This will help you pull off any existing debt so that credit will remain good and will not be damaged. If you need help to keep your bills off of your credit report, call the company and talk to them. The worst thing you can do is avoid them. Talking to them, you can process a payment plan or easier to get an extension.

By monitoring your credit report, you can keep in good condition and protect it. Use the above tips and tricks to protect your credit report after the divorce.