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How to protect credit rating when divorcing
My husband & I are divorcing after 25 years. I am refinancing the house but wonder what to do about joint credit card accounts. I am primary on some and he is on others but if we go our separate ways how will it affect my rating to have less cards available? Should I open new accounts?
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jfroop
1 year ago
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There area couple of ways to do this. 1) simply go to your creditors and try to get off of the debts he's keeping 2) is have your attorney file a legal separation of debt. It will cost you extra money but it will also keep you from having his credit show on your credit report for as long as he keeps the credit open.
You need to understand that a divorce decree has no legal standing without the agreement of the creditor as well. A divorce decree is a moral obligation not a legal obligation to divide debts. It would have the same validity as me telling you that you don't have to pay your car payment. Until the creditor agrees to a new term you are stuck with the old one.
Dogslurp 1 year ago