Reply to My husband left today. Tell me I'm better off without him.

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Reply to "My husband left today. Tell me I'm better off without him."

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[quote=Anonymous]Unfortunately, as long as you are still married, any bad credit that he has will affect you.

There are two sides to shutting down the joint cards.  First, it is much easier to prove that it was his spending that was crazy and you can break down his spending easier if you go to trial.  But, ultimately, you are still responsible for the "joint" debt.

On the other hand, if you are still on the same credit card, you can track his spending and keep copies of the credit card bills.  If he has his own cards, you won't see what is being charged until you subpoena his statements.

Agree with the others, though, you should open an account in only your name.  I couldn't get a good rate on a mortgage when I was divorced because of all the non payments on HIS credit cards while we were separated.  It took me two years to get my credit score up high enough to get a good mortgage rate.

I will say, though, that when the underwriters asked about the non-payments, etc.; I said that my ex had been responsible for those accounts and that he wasn't paying.  They were fine in accepting that as an answer.  Gave me zero trouble about that as they could see that my own payments were impeccable.[/quote]

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