What is the first step in addressing my credit after divorce?
The first step in addressing your credit after divorce is to obtain a copy of your credit report from each of the three agencies (Equifax, Experian, TransUnion) so you can review your current credit record and credit score. Each agency is required by law to provide you (upon request) one free copy of your credit report each year so requesting a report from each agency every 4 months helps you monitor your credit easily. You will want to review the credit report to understand what credit you have tied to your name (mortgages, car loans, credit cards, student loans, etc.), see the outstanding balances on your existing credit, and ensure everything looks correct.