Skip to Content

4 Tips to Protect and Build Your Credit Score After Divorce!


Divorce simply put, is a mess! It’s emotional, financial and painful!

Even after the divorce is complete you can be left with lingering effects. This is especially true when it comes to your credit. During a divorce you often have to untangle joint assets and credit card debts. Joint debt is still the responsibility of both parties during a divorce.

As a divorce attorney and mediator, I guide my clients all the time on how to handle their credit upon divorce.

Here are some of my tips on how to protect and build your individual credit after divorce:

1. Check Your Credit Report

Do this before your divorce is final! Contact the 3 credit reporting agencies, TransUnion, Equifax, and Experian. This will give you an overview of your full credit history.

While looking at your credit report, you will see on which accounts you are an authorized user. You can also start making a list and note which cards you will need to remove your name from later.

2. Open New Individual Credit Card Accounts

Start building your individual credit. Open new credit card accounts in your name. Doing this now will help you later. In some cases it will be easier to get approved while you are still married. Building your own credit score takes time, so start now!

3. Review Joint Accounts

Look at credit cards you acquired as a couple. Make sure the joint credit card bills are getting paid so you don’t have any poor credit reports against you. Discuss with your attorney/mediator taking your name off any joint credit cards.

4. Pay Bills

Make sure your bills are getting paid. Work together with your ex-spouse or work with your attorney/mediator to make decisions about who pays which bills. Start creating a new budget for what your lifestyle will look like after divorce. Paying bills and debts can be defined in your separation agreement.

If you are thinking about divorce and concerned about your credit, call me.

As a divorce attorney/mediator for over 35 years, I have guided thousands of couples on how to protect and build their credit during and after divorce. I can help you too!

Don’t hesitate to get the help you need. Call me today! 212.734.1551.

During the ongoing COVID-19 pandemic all our FREE CONSULTATIONS are conveniently conducted virtually to reduce risk.

I look forward to speaking with you!!

Stay healthy and safe!

Warm regards,


New York divorce attorney Lois Brenner still has some appointments available this week.

Please call to schedule your FREE consultation now.

Call 212.734.1551