Getting a divorce is hard enough without potentially ruining your credit or the credit of your former spouse. If you are going through a divorce, consider taking some precautions to ensure that your credit will not suffer and you will not make things more difficult than they have to be on your relationships.
Practically speaking, you want to separate your assets and liabilities as cleanly and quickly as possible. If you share checking accounts or lines of credit, close them and open some in your own name. Not only do you want to begin getting accustomed to living on your own income, you want to make sure that your spouse is not using your money out of a joint account and draining your resources.
It is also an excellent idea to get your credit report. This way you can make sure that you are aware of all the places your name has been used to acquire credit, and discover any discrepancies that may affect your ability to be approved for credit once you are single. It is also possible that your partner cosigned your name on some line of credit, in which case you will want to deal with that as soon as possible.
You will also want to make sure that you change all the passwords on your financial accounts, or any accounts that might be used to erroneously charge you for goods or services. This will help you assume complete control of your financial life as you begin a new chapter as a single person. If you have any further questions about how to responsibly go about a divorce, the guidance of an experienced attorney can help steer you clear of any pitfalls on your way to being single again.
Source: Nerd Wallet, "4 Ways to Protect Your Credit During and After a Divorce," Anisha Sekar, accessed Sep. 13, 2016