How To Stop An Ex From Running Your Credit

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At the face of divorce, how to stop an ex from running your credit is very imperative to your finances. If the account was a Co joint, limiting your ex from your credit can help to protect your finances being affected emotionally. Here are a few ways on how to stop an ex from running your credit score.

How To Stop An ex From Running Your Credit

How To Stop An Ex From Running Your Credit, Dissolve Joint Account

Joint account can be difficult to deal with, the account was signed up by both parties. One person can’t just remove the other from the account just so easy. And if both of you used the card, you might have a tough time figuring out who is responsible for any crisis.

In the case of divorce, the attorneys will mediate the process if both can reach an agreement. If you were married to your ex, the two of you have to reach out to a deal with each other. In the worst scenario, you’ll have to pay up your monthly payment on time to protect your credit.

Close the account while you work out the details so no more charges are no loner made on the account. Continue to make minimum payment in the each month to the account.

How To An Ex From Running Your Credit, Remove Your Ex’s Authorized User Status

If your ex was listed as an authorized user on your credit card, get a call across to your credit card issuer to remove them. The breakup, that way, your ex won’t intrude or be able to use the card to run any purchases. If you’re an authorized user have them remove you as soon as possible. Your credit card number changed and a new card to be issued to you.

Act Fast Change Your Password

Change all passwords on credit card account and banks. You have to block their access to your account or to the details of such account.

Change Your Address

If you are moving, make sure that you change your address. Informed your creditors and other businesses on the new address. That way, your mail would reach your new destination, new checks, bank statement and credit card or debit cards. Even your mail WI be forwarded from your old address to the recent one.

How To An Ex From Running Your Credit, Request New Account

Your ex may have your mail password or other vital documents including your account numbers. If you think there is a chance of using such information to rack charges in your name. Simply, request for a new account number.

Put a Fraud Notification on your Credit Report

Some exes would try to open new accounts in your name if they had in custody of your social security number. A fraud notification would alert you of such transactions. The fraud alert will go extra miles to confirm your identity issuing new credit. Note that, keep in mind the basic fraud alert expires after 90 days.

How To Stop An Ex From Running Your Credit, Freeze Your Credit Report

If your ex-spouse or partner is really out for you financially, one of the best media is to protect your credit card is to freeze your account. Lock your secret code away from the third eye. Contact the Credit card bureau immediately to freeze your account. For Experian Credit file, visit or call 1-888 EXPERIAN (1-888-397-3742), key in your identification


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