Divorce can have an impact on many different areas of the life of the person going through the process, including their credit. While some of the impacts may be unavoidable, there are steps that can be taken during and after the divorce to help protect their credit score. People should err on the side of being vigilant and should not leave anything to chance.

One of the first things to do during a divorce is to review a credit report. This can help track what the actual debts are. Sometimes, people are surprised to learn of debts that the spouse may have racked up without their knowledge. It is best to deal with the issue of who is responsible for what debt in the divorce agreement. If it is not addressed there, chances are that a spouse will be saddled with debt that they did not incur.

As soon as possible, one should begin to build up their own distinct credit profile independent of the marriage. This will help establish them as a creditworthy borrower even if they had issues in the past. Finally, they should be vigilant about spotting any possible inaccuracies on their credit report. If there is anything wrong, they should not hesitate to request the removal of the wrong entry or challenge it with the credit bureau.

When it comes to debts and divorce, some of them can be addressed in the divorce agreement. The last thing that someone wants is to be hamstrung in their new life because of something that their spouse did. A divorce attorney may help protect their client from an issue like this either through negotiating the responsibility for the debt in the divorce agreement or taking the issue of indebtedness to a family law court. This might help someone get a fresh start after divorce.