Several years ago I went through a terrible divorce. Not only was I dealing with the dissolution of my marriage and the emotional ramifications of such a split, but I was dealing with the powerful financial ramifications as well – something that I had not even considered. Of course money is something that most of us put on the back burner during such a situation but by the time I came up for air emotionally I was faced with the reality of my financial situation and was immediately thrown back into darkness. What was I going to do to pick up the financial pieces and still get myself together emotionally?

The truth of the matter was that my credit report had been severely damaged during the course of my marriage, and most seriously, after our split before we were legally separated. Because some of our credit cards were in both of our names and because my ex-husband was spending irresponsibly and not paying the bills I was paying the price as well. After the divorce became final and I was able to focus more clearly on my finances I began the arduous process of repairing my credit.

This is not easy work and certainly not something that I would wish on anyone. It was a process of untangling a lot of things that seemed irrevocably entwined. I got professional help in this regard and once we got everything sorted out and made a plan for me to start rebuilding my credit I set to work with a plan and some much needed focus.

But I knew that in doing all this work I would need something that would allow me to see my progress even if it was small steps and that’s where free credit reports came into play. More in the next post…

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