Lets Talk Money Online - How to detach your ex-spouse's credit history

Nothing sticks like two-sided tape to your finger more persistently than the poor credit rating of an ex-spouse, even after you have parted ways. If you continue to suffer from a former spouse's poor financial record, consider the following steps to build a clean record of your own.

Get free credit reports. Order them for free from Equifax, Experian and TransUnion once a year by going to www.annualcreditreport.com.
Challenge any mistakes on these credit reports. Each credit agency has online and other methods to let you contest items you disagree with in your reports. Some mistakes may have nothing to do with you or a former spouse. Others may involve only the ex-spouse and need to be corrected. Remember, though, that joint accounts are typically still considered a joint responsibility even after divorce.
Make sure to contact credit card issuers to let them know an ex-spouse is no longer an authorized user.
Add a statement to your credit report if the credit agency refuses to remove adverse information from your file.

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