How to Rebuild Your Credit After Divorce

Divorce often leaves people with damaged credit—from joint accounts to sudden changes in income. But rebuilding your credit is possible with time and strategy.

1. Check Your Credit Reports

Start by knowing where you stand.

Action step: Request free reports from Equifax, Experian, and TransUnion.

2. Separate Joint Accounts

Close or refinance joint debts. Remove yourself as an authorized user where appropriate.

3. Open New Individual Accounts

A secured credit card or small installment loan can help you rebuild positive credit history.

4. Pay on Time—Every Time

Payment history is 35% of your credit score. Set up autopay if needed.

5. Keep Utilization Low

Keep your credit card balances below 30% of the limit to improve your score faster.

6. Monitor Progress

Use free tools like Credit Karma to track your progress monthly.

Final Thoughts

Credit rebuilding takes time, but it’s absolutely achievable with the right steps.

Want a personal credit recovery plan?

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