I am a 30 year old woman from a small town in West Virginia. I had gotten married at a young age. We had the dream wedding and everything was perfect. I thought I had the perfect life. My husband (at the time) and I had good paying jobs that basically paid the bills and kept us above water.

Everything was great! We were both working and pitching in, our communication was great. Out of nowhere, we were faced with our biggest obstacle. . My husband lost his job. His company relocated. How could this happen? Everything was perfect….or so we thought. We did the best we can to fight through it but not being able to make the bills was the start of our demise. He tried to get a new job but had a really difficult time finding a job that paid well.

We didn’t communicate well over the next few months. We were both miserable and found ourselves constantly at each other throat. As time went on, we drifted apart and started talking about separating. I never felt as scared as I did the day we started talking about getting divorced. As the divorce started to take shape, less and less bills were being paid on time. We started falling behind and most if not all of our bills were in my name. Some of the bills were joint accounts but either way, we couldn’t stay afloat. I had perfect credit my whole life and now it was slowly but surely going down the tubes. Our concern was keeping the lights on and food on the table. My credit was the last thing on my mind at all. Who thinks about their credit while going through a divorce? I’m thinking about survival!

We had decided to sell our house and part ways. Our Divorce Decree clearly stated that my now ex-husband was responsible for paying the bulk of the bills. I had already been behind. I had to go out and find another job, find a place to live and get another car for we only had one car and it was too expensive for me to pay the difference.

This is where reality set in. My credit was not the best but not the worst either! I had no idea that decent paying jobs ran credit and used it as one of the deciding factors in hiring. I had previously been in the financial industry so it would become painfully obvious to me that my credit would play a roll in whether or not I would gain employment. My credit clearly showed my frustration and the stress I was going through even though the Divorce Decree showed that I was not liable to the debt.

I needed to lease or finance a car in order to get back and forth to work. Even if I had gotten approved for a car loan, I would’ve had to pay considerably more because of my low credit score.

Buying a home or renting an apartment? Yeah right! This is where my credit was now most important!

I had called the Attorney I used in my divorce and asked for advice on how I work on rebuilding and correcting the errors on my credit report. I have to imagine this is a common occurrence for people who end up in a divorce. To my surprise, my Attorney was an expert Divorce Attorney but could not advise me on how to deal with my credit issues. He kept mentioning going back to the court to enforce the Divorce Decree but have extensive expertise about credit reports, credit scores or how to address credit issues. After calling several “Credit Repair” companies, I couldn’t find one that could relate to my situation. I needed to speak to someone that was empathetic to my situation. Finally, I had spoken to a friend that had gone through a similar situation. Together, we did all the research on how to address credit issues and rebuilding credit.

What I heard next was a huge shock to me; the Divorce Decree does not have to be accepted by creditors! How is this possible? It was provided in a court of law! It was painfully obvious that I was on my own. I read book after book, article after article, every “Fair Act” in existence and did whatever I needed to do in order to get my credit back to where it was. It took a long time and was not a pleasant experience by any means but I GOT IT DONE!

This experience made me think of all the people out there in similar situations and is faced with the ugly truth of not knowing where to turn or even how to get started. I vowed from this point forward to assist everyone I can with addressing credit issues related to a divorce. While I am living proof that this can be done on your own, I’d much rather speak with someone who has gone through what I went through and knows exactly what to do.

Now, I have developed a Credit Consulting Company called DivorceCredit.com dedicated to all divorcees who need credit help and have nowhere else to turn. I do not want anyone to have to go through what I went through….as if the divorce wasn’t bad enough on me!!!

Another Story

In this case hindsight is 20/20. If people knew the impact that divorce can have on credit reports and credit scores it would be much easier to prevent this type of situation from ever occurring. Below you will read the story of a 38 year old divorcee that did what most people do when going through a divorce, he waited until the ship was sinking to try to keep it above water.

Allow me to introduce myself; my name is Scott. I am a 38-year-old father of 2 sons living in NJ. In July of 2004, my wife and I of six years divorced and went our separate ways. At the time, I had a decent paying job as a Loan Consultant at a local Mortgage Company. I started looking for a better paying job because my salary was not sufficient enough to support my family after the divorce.

Like many men, I was depending on not only my income but also my wife’s income in order to make ends meet. I have made the attempt to establish credit in my name in the hopes be able to meet my monthly obligations

For the next several months, I continued to struggle. But, I worked very hard to adjust my expenses and eventually things seemed like they were getting better. I landed a new job and was actually making a better income than at my old job. I was still not making the full payments each month but I was becoming more and more consistent with the payments I am making.

While I began to get back on my feet, my credit was all but ruined and resulted in my overpaying on everything I had. This divorce had ruined both mine and my ex-wife’s credit. I needed to focus on rebuilding my credit and didn’t know where to turn. A dear friend of mine referred me to DivorceCredit.com and they helped me get back on track. I was able to get a new credit card at a decent rate and they helped me communicate with my past Creditors as well. I guess I could’ve done this myself but I didn’t have the time or the expertise in handling this situation.

My ex-wife has since enrolled with DivorceCredit.com and she is extremely happy with the results. We were finally able to open our own accounts and start rebuilding credit of our own. We can finally put the financial stress of divorce behind us. Hopefully for good!

It was time for me to spread the word!!!!

Now, I am the Vice President of Operations for DivorceCredit.com. Needless to say, I’m a believer!!!!