Watching Your Credit Report for Divorcing Couples (cont.)
Contributed by Lisa Marie
If you've been denied credit in the last thirty days, you can get a free copy of your credit report.
When a potential creditor denies you credit, they have to, in writing, explain to you why you were rejected the credit. When the letter comes in the mail, it will usually say something like "Based on information obtained for bla bla bla credit bureau, we are unable to extend an offer of credit to you at this time- Please contact them with the information below."
Then, below you will find the name of the credit bureau, usually Experian, Trans Union or Equifax. Accompanying their name and address will be a customer id number, although it may not be presented as such. Look for the number. This is your number for a free credit report when you contact the bureau.
Make sure what's your is yours and what's their's is their's. Divorce can be a difficult enough of a process to go through, and credit reports do hurt from it. This can cause you years of agony if you're not careful. So do yourself a favor, now. Get copies of your credit report. Check for errors and inaccuracies. When the divorce id final, get another copy of your credit report to make sure that your ex's name and bills are off of your report.
