A free guide from INTENTIONAL DIVORCE SOLUTIONS
Protect your credit while you're getting divorced
First, the good news. Divorce itself does not lower your credit score. Your marital status isn't even on your credit report.
What causes trouble is the joint debt nobody got around to separating. A card, a mortgage, a car loan with both names still on it. That part is fixable, and it's more manageable than you'd expect once someone shows you what to look for.
This guide walks you through it in twelve steps, with a worksheet to help you get every shared account onto one page. No jargon, no lecture. Just what to do next.
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What's inside
Eleven pages you can actually use. Skim it, or work through one step at a time.
The twelve steps
Sorted by where you are right now: still thinking about it, in the middle of it, or already on the other side. Each step tells you exactly what to do and who to call.
A worksheet to fill in
One page to capture every shared account: who is legally on it, who is paying it now, and what has to happen before it is genuinely separated.
Questions to ask first
What to check before you agree that one of you keeps the house or the car, so you don't hand over the asset and quietly keep the debt.
If you're thinking you should have looked at this sooner
Please let that go. Almost nobody thinks about credit during a divorce. You are thinking about your kids, and where you are going to live, and whether the numbers are going to work at all.
Credit is quiet. It doesn't announce itself until you go to rent an apartment or refinance a house, and by then you're dealing with something that started a year earlier.
That's exactly why I wrote this down. So you can handle it in an afternoon instead of discovering it later.
Leah Hadley, AFC, CDFA, MAFF, is the founder of Intentional Divorce Solutions and host of the Intentional Divorce Insights podcast. She spends her days helping women understand what their options actually cost before they sign anything permanent.
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