When many couples decide to divorce, it’s not uncommon for the once stay-at-home spouse to find out that their partner was struggling to pay the bills, racking up debt in the process. This can greatly impact your ability to move forward with your life post-divorce. One of the best things that you can do right way is to start building your credit.

One of the first steps to doing this is to let all the creditors or banks that you have accounts with know of your impending divorce. This will essentially serve as a way of freezing the account or at the very least sending a warning to them to not allow one spouse to run up more debt or drain an account.

In case you’re unaware what you’re on the hook for, you’ll want to first start by requesting your three credit bureau reports. If you’re aware of other debts that exist that aren’t listed there, then you should start a spreadsheet and list them there.

For each account, you’ll want to pay close attention to each one that you’re listed as an authorized or joint user for. You’ll then want to make contact with them to find out what the process is to either be removed from it or to close it down. If possible, you may even inquire about the possibility of having the credit card company issue a card in your name alone.

It’s also important that you open up a checking account of your own.

If possible, you should also apply for one or two credit cards in your own name. If you do, then you’ll want to make sure that you continue paying your bills on time in order to help build your creditworthiness.

To help maintain your good credit standing, you’ll want to set a budget and stick to it. You’ll want to make sure that you account for paying your credit cards, housing, utilities, car payments and other household expenses.

Preserving a positive future during your divorce includes negotiating fair child support and custody terms and making arrangements for alimony. It may be difficult for the two of you to agree on these matters when your relationship is in its most fragile state. However, having a strong advocate such as a Westerville divorce attorney on your side can make it a much simpler process.