Credit Management

We list the following sites as better examples of credit management help online. See also: exchange policy or admin@divorce-lawyer-child-support.com.

1. Bad Credit Loans, Bad Credit Credit Cards, Motorcycle Loans - Offers a wide variety of credit products including bad credit loans, credit cards, motorcycle loans and more.
2. Credit Reports - Get your FREE Credit Report Online in Seconds.
3. Debt Elimination - Compare debt elimination with debt consolidation, check out debt elimination strategies and plans, eliminate credit card debt and resolve debt problems.
4. Free Credit Reports - Check your free 3 in 1 credit report now.
5. Low Rate Credit Cards - Wide variety of low rate instant approval credit cards available.
6. Unsecured Loans - Even high-risk issues like slow credit or no credit won't prevent you from getting unsecured personal loans.
7. Unsecured Personal Loans - Bad Credit Loans - Unsecured loans for debt consolidation, vacations, medical expenses, taxes, or for whatever your needs are.

Credit cards are a necessity. Credit card abuse following divorce is a fact of life for anyone failing to prevent further charges to joint accounts. A divorce decree is effective terminating the marriage between spouses, but has no effect on the joint liability of each spouse for payment of debts owed to third parties. Remember: you have 30 days to dispute unauthorized charges and once disputed, the charge must be reversed. If your ex-spouse uses joint cards after divorce, you will be liable for payment unless you timely dispute these charges.

Future liability for debts of an ex-spouse are easily avoidable by closing all joint financial accounts and reopening new accounts individually. Take time to shop interest rates and special offers. Many cards offer 0% interest for the first year, so acquiring new accounts with different companies may result in savings. Pay particular attention to annual fees. Most reputable companies do not require annual fees and offer incentives to transfer balances. Also consider requesting a new company divide existing balances, if applicable, and establish new accounts for each spouse individually. Terminating charge privileges is simple. Call each company and request denial of all future charges and a written conformation. Also expect a delay receiving new cards, so the earlier you apply, the less time required without the convenience of charge privileges.

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