During the Tennessee divorce process, your credit score might take a few hits. From refinancing the car loan to one person potentially running up the credit card bill, prepare for the worst. This does not mean you should expect the worst. Many people build and grow their credit with ease, but understand that the person you marry and the person you divorce might seem like two different people.

The good news is there are some simple steps you can take to safeguard your credit and even your ex’s. Here are some recommendations from Forbes.

Get a copy of your credit report

There are so many apps available that can provide you with basic data related to your credit score. This is a great starting point, but what you might really need is a full copy of your credit report. You can ask for a free report from the major credit reporting bureaus every 12 months or you can purchase one. Correct any inaccuracies you find.

Decide who pays for what

Sometimes, legally separating debts is just not possible. What you and your spouse might have qualified for together could fall out of reach on separate incomes. Because of this, many couples leave the debts as is and decide who becomes financially responsible. If you are not responsible for a debt account your name is on, remember that the lender might still hold you accountable, so ask for proof of payments.

Build your credit profile

If you maintained credit accounts in your own name during the marriage, you probably already have a decent history. If not, you can usually start off with secured accounts and work your way up. The more accounts you have, the higher the limits and the less credit you use, the better your credit score tends to be. Keep in mind that opening accounts might result in initial credit hits.

Divorce is a difficult time for most people, both emotionally and financially. As you disentangle from your spouse, remember to invest in your financial stability so you can worry less about the future.

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