NOT SURE WHERE TO START? Contact Us First Time Homebuyers Secure Financing Mortgage Calculator Rent VS Own Tax Advantages to Owning a Home 0% Down Credit Repair Scams Credit Scoring Credit & Divorce FHA Loans INTEREST ONLY LOANS Types of Mortgages Homebuyer Resources Home			You still remember the day. The cake, the friends, and the fun. You said, “I do” and the two became one. The two becoming one might have included more than you thought. If you live in Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin your two credit reports may look more like one. This did not seem like a bad idea when your marriage was in a blissful state, but now that the lines have been drawn and the lawyers called it may not be looking good. This means that you are both responsible for his new golf clubs and her many trips to the salon. Many times during divorce settlements spouses will be assigned old “community debt” to pay off. According to your divorce papers you are no longer responsible for that debt, if your spouse was assigned to pay it. That would be great if you could also divorce your credit company at the same time, but you can’t. Credit companies do not recognize divorce agreements. If your less than faithful spouse starts flaking on making payments, they will start contacting you. If you ignore these requests for payments thinking that your ex is responsible, your credit report will look worse than your cake did on your one-year anniversary. Don’t bother sending your divorce papers to the credit companies, they didn’t sign them, they don’t need to adhere to them. They want to be paid and they are not concerned about who sends them the check. What do you do now??? It depends at what point you are finding out this valuable information. If you just started receiving request for payment you may want to grin and bear it and start making payments. Your good credit is priceless. If you ignored those notices thinking that your ex was responsible start paying now and work on removing the negative marks on your credit report. You can do it yourself or hire a reputable legal credit repair firm like How2Own.com. You will then want to apply for credit in your name so you can start improving your credit report.