If your credit changed after your divorce, nothing went wrong with you. Shared accounts closed, an authorized-user card disappeared, joint debts landed in the decree, and the file you spent years living on is suddenly not yours. Research suggests a slight majority of women see their scores drop after divorce. It is common, it is fixable over time, and you can start quietly, with a form instead of a phone call.
No card required. No obligation.
The Exact Steps to a File of Your Own
- Get all three reports. Free at AnnualCreditReport.com. List every account: yours alone, joint, or authorized user.
- Understand what the decree does and does not do. A divorce decree divides responsibility between you and your ex, but it does not change your contracts with creditors. A joint account stays on both reports, and late payments on it hurt both of you.
- Dispute what may be wrong. Accounts that were never yours, wrong balances, authorized-user accounts still reporting after removal, or items past the 7-year limit can all be challenged. You can do this yourself for free; we do the heavy lifting if you want a licensed team on it.
- Open credit in your own name. A secured card or credit-builder loan, used lightly and paid on time, starts building independent history. On-time payments are the single largest scoring factor, and thin files typically show meaningful history within about six months.
- Protect yourself going forward. Close or separate joint accounts where possible, set up your own alerts, and monitor all three bureaus.
How We Work With You
- Clear monthly pricing, stated before you decide: $79, $99, or $129 per month, billed after each month’s work. Cancel anytime.
- Private by design: start with the form or email, phone only if you want it.
- No judgment, ever. We work with people starting over every week, and the story behind the report is yours to share or not.
Every credit situation is different. Results vary and no outcome can be guaranteed.
From Clients Who Started Over
Individual results vary and are not guaranteed.
Everything had been in his name. Permissible explained what I could dispute, what was legally mine to carry, and how to build my own file, and no one ever made me feel foolish for not knowing. The price never changed from what they quoted.
S.M., West Ashley
Divorce Credit Questions
Can you remove my ex’s debt from my credit report?
If the account was joint or cosigned, it is legally yours too, and the decree does not change what creditors report. What can be challenged is anything inaccurate: accounts that were never yours, wrong balances, or authorized-user lines that should have stopped reporting. We will tell you honestly which is which.
My ex missed payments on a joint account the decree assigned to him. Now what?
The late payments still report on your file because the creditor’s contract is with both of you. Your remedies run through the decree (family court enforcement) and through refinancing the debt into his name alone. On the credit side, we can dispute any inaccuracy in how the account is reported and help you document the situation.
Start Quietly. Start Free.
No card required. No obligation.