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Here are some tips for avoiding credit damage during a divorce:

– Check your credit report and score before filing for divorce. This provides a baseline to monitor any changes. Freeze your credit if possible to prevent new accounts from being opened.

– Consider closing joint credit accounts and opening new individual ones in your name only. This gives you control over the account and prevents your spouse from accessing it. Inform creditors of your divorce filing.

– If keeping joint accounts, remove authorized users and set up alerts to monitor account activity. Agree on who will make payments and how to divide remaining balances.

– Avoid missing payments or maxing out credit limits on joint accounts, as this damages both spouse’s credit. Maintain low balances and pay on time.

– Request your creditor to report an account as “paid by divorce decree” if your ex was ordered to pay it but fails to. This prevents it from damaging your credit.

– If possible, refinance joint debts like auto loans and mortgages into your own name only. This releases you from joint liability.

– Be cautious about assuming spouse’s individual debts. This makes you jointly liable. Review debts carefully before agreeing to take them on.

– Consult a divorce attorney about the implications of your state’s divorce laws on debt and assets. Know your rights.

Staying on top of joint and individual credit accounts and minimizing impacts to your credit history during the divorce process can help reduce long-term damage. Maintaining open communication with creditors also helps.