How can divorced women start rebuilding their credit after the divorce?
113405
You start by applying for new credit cards in your name only, and take out a small loan at your bank and paying it back quickly, so the bank knows you will pay...
419980
I would to have to say honestly  that I wouldn't do that if I were  you. I would not go in that direction. I wouldn't want to be in your shoes when the bill  comes in for that  credit card(s) start coming in cause in the long run you will have you self A NICE  BIG FAT HOLE DUG AND it will take a long time to dig your way out, and then it will take you a much longer time to really get  any kind of credit and NOT JUST  WITH  A BANK . My husband & I did it once with a gas card thought we were smart . In  the long haul of it all it took forever to pay it off cause IT'S LIKE HAVING ONE OF THOSE REVOLVING  accounts  &  when the bill arrives, IT   COME  IN WITH LARGE FEES  AND percentages attached TO THEM too !!   It may take awhile to rebuild your credit with you being single but you would be better off waiting awhile than to put yourself into that kind of debit especially with a divorce  and all. BE PATIENT AND WAIT THAT'S MY ADVICE. I DON'T BELIEVE YOU would be very happy if you put yourself in that kind of debt !!
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
282042
1) Depends primarily on whether the debt was incurred before or after marriage (or partially both)\n2) Also depends on your state law (whether the debt is characterised as community property)\n3) May also depend on whether the borrowing was made against community property assets (e.g. credit card debt, student loan, personal loan vs. remortgage, home equity loan, loan against 401K or stock).\n\nProbably you mean a CC debt from before a marriage?\nIn which case the answer is probably no.\nHowever *beware* that lenders may still try to recover against the other (more responsible?) spouse and this may damage your credit. So make sure your lack of liability is spelled out in any legal settlement or MSA.
1018605
You need to talk to a lawyer.  State laws vary a lot and there is no standard rule that applies anywhere.   A lot of men these days offer up a cash settlement.  That gives the wife an opportunity to reestablish herself.\n\nNote that in community property states, she's also entitled to have your retirement savings.  Some tips that may help.\n\nTry putting aside the anger and actually talking to her.  What does she hope to accomplish?  Maybe she is planning to work more or maybe she's happy with a modest lifestyle and doesn't expect much.  Maybe she's too independent to take money from you.   Don't make assumptions, ask first and find out what you're dealing with.\n\nBe fair in the property settlement.  That will make her a lot more agreeable.   \n\nIn California, spousal support typically continues for half the number of years of the marriage but this may or may not be true in your state.\n\nThere are websites, and books that can provide formula calculators, but you still can't be sure of an amount until you either have a court order or can reach a mutual agreement.
335845
Since we do not know why the credit rating is low, here are a few tips to assist in getting your credit score up. \n1) If you have any charge-offs and judgments against you, you need to pay those items off. Once you have done that, you need to request a letter of satisfaction. You will want to hold onto this letter for at least 7 years, just in case they fail to update your file as paid.\n2) If your current credit card balances are 50% more than your credit limit, pay down the balance to 50% and continue to pay the minimum monthly payment.\n3) You need to have 4 active trade lines in most cases that have a history of more than 12 months. So cutting up and closing your accounts might harm your over all credit recovery. \n4) If you do not have credit, your going to need to establish credit by obtaining secured credit cards. Even though your interest rate will be crazy high, we're not trying to consolidate your bills to reduce your monthly debt obligations. Establish at least 4 secured cards and utilize only 50% of the credit allowance. \n\nUnfortunately you not going to be able to get a high credit score fast, however these steps can help you in correcting your credit and re-establish your credi profile. Hope this helps..
529873
If your credit is already shot, bankruptcy might be an option.  That way you don't need to pay back your unsecured debt, and you can start rebuilding your credit once you aren't trying to pay too much each month with too little money.  Be aware, though, that a bankruptcy will stay on your credit record for seven to ten years.  \n\nIf you already find that you can't get credit because you've had problems, it won't hurt you, but if your credit is salvageable, try contacting a consumer debt management outfit.  They will negotiate with your creditors to reduce or possibly even eliminate interest rates, and you will pay the outfit a flat amount every month, which they will pay out to your creditors.  They usually charge something for their service, but it is not much and it is a whole lot less than what you are probably paying in interest on your existing debt.\n\nGood luck.  There is a light at the end of the tunnel.  You just have to perservere.
178269
Here's the thing, if she racked up the bill while they were still married, he's stuck with it. If she got a NEW card account in his name after they were divorced, it's fraud and illeagal, sue her.
383890
I am truly sorry there is no easy answer for this.  As difficult as it may sound,  ask your soon to be ex for help or to end the divorce quickly.  As long as you are still married lenders still consider debts to be jointly held.  Your pending divorce will scare them.  If nothing else,  get away form the jerk you are with.  I know from experince that abuse, even if only witnessed, is more devestating to children than poverty.
257401
Attend credit counseling classes and PAY OFF YOUR DEBTS. It takes 7 years or MORE to rebuild.
1173074
call them all and set up payment plans\n\nor talk with a credit counseling/debt consolidation company\n\nbest of luck
270865
Normally I recommend that you do not mess with credit repair services if you can help it. Many are a scam.  They charge you hundred of dollars to do stuff that you can do yourself.\n\nYour case appears to be a little more complex.  You need instant relief (which I seriously doubt you will get).  Not only do you need to work with your current creditors, you would want to work with the mortgage company.  They seem to be very unreasonable about their demands to clean up your credit report.\n\nYou may need the help of a trained negotiator.  I don't know your current income situation so I can't be of much more help here.\n\nRead the links below and decide what you would like to do.\nGood luck.
675618
Cleaning up old credit issues take time as effort on you part.\nDepending on your credit history, it may take 6-12 months \nBe persistent and don’t give up.\n\nIf you feel you still need help email me and I will guide you to your next step.
574430
Since she left then you can claim abandonment which will minimize what if anything she would have been entitled to, but for right now file for a legal separation and change her as the beneficiary on all of your policies, as well as cancelling all of your joint accounts and opening separate accounts. Sounds to me like your married to a golddigger. Dump that troll.
759882
That depends on what the divorce agreement says.  If it is not in the current divorce papers, then they may be able to take you back to court for it.
445300
pay off your debt and start rebuilding your credit.  it might take awhile but it'll be worth it.
1159127
Before you even begin this adventure, you had better understand a few things.\n\nYour goal is to fix your credit score so you can get a better deal on your new home.  It will not help your score to have anything on it that reflects negatively on you.\n\nWhen you pay off an old debt, the creditor will show "paid" on your credit report, but it will still have notations about being in collections, late payments, or only having a portion of the bill paid.  I don't care what anyone on here says, that is still a negative report!  Therefore, you have just spent a lot of money trying to fix something, and got nowhere!  \n\nTherefore, you need to be prepared to do some serious negoations.  \n\nFirst, if at all possible do NOT deal with collection agencies.  As previously stated in another reply, they get a portion of whatever you are paying.  If you pay the creditor directly, they avoid the collection agency and keep all the money!  They may deal with you in this respect.  So start by contacting the original creditor.\n\nDO NOT OFFER TO PAY ANYTHING!  Make it clear that you are only negotiating a payment plan and if they do not come to an agreement they can forget it.  Offering to pay will reinstate the Statute Of Limitations and can even effect some legal aspects of your collections.  BE CAREFULL!\n\nMake it clear up front that exchange for payment, they must remove ALL negative reports from your credit report, or change the status to "paid in full, as agreed".  They won't want to do this.  Many will tell you it's not legal.  Yes it is, I can prove it, and I've done it myself!   You are NOT "in the drivers seat" here as long as they continue to hold your credit report over your head. \n\nGet this agreement IN WRITING!  Without it, you have no prove that they agreed, and you will have an awful time getting your credit report fixed once they have your money.\n\nDon't give them a clue you have a lot of money!  Tell them that you are trying to avoid bankruptcy and have come up with a payment plan to try and resolve your debts, and if they refuse you will just pay off your other debts instead.  Start by offering to pay 60% of the debt, they will most likely accept 70% without too much hassle.  Sometimes you can even get much more, but that's very rare.  The advantage you have is you are going to pay it off in full, so remind them of that.  They will be more willing to accept your offer if it's not going to involve monthly payments.\n\nWhen you call, get names!  And don't commit to paying them anything until you have a written agreement from them listing they payment plan, plus their agreement to remove items from your history.\n\nGood luck with your battle.  You can do it, you just need to get into a good negotiators mindset and be ready to fight with these people.