1. Run a Credit Report on yourself to identify all accounts linked to your credit. You can pull your credit report for free on a weekly basis – do it! AnnualCreditReport.com.
Things To Notice: Which accounts are joint; and which accounts have authorized users and remove those you no longer authorize.
2. Make sure you have at least one, preferable two credit cards in your name alone and for which no one else has authority to close out.
3. Identify Reward and Mileage points on any credit cards for which you are associated. These rewards or points are negotiable in a divorce proceeding.
4. Consider freezing your credit. It’s free and easy. Contact all three credit bureaus – Experian, Equifax and TransUnion. When you freeze your credit, no credit can be opened in your name without you taking the steps to “unfreeze” your account. When you need access to new credit, it’s easy enough to unfreeze and then close it back down.