If you have delinquent credit and are married, you might want to rebuild your credit in your name instead of using your spouse. Somebody has to have a solid stable credit history in the marriage. Also if you are divorced and all the credit cards of credit information are in your spouse's name you will need to reestablish and build credit in your name.

Getting your credit reestablished is the first step to repairing and building your own credit history. When you obtain your credit report you will see that your spouse's name is listed on the credit reports. This is because together you and your spouse applied for credit cards, took out car loans or what have you. This means that you could be responsible for your spouse's account, if you signed them as a co-borrower.

The advantage of not being a co-borrower is that credit bureaus cannot list the negative accounts against you if you are divorced. Once you have copies of your credit report you will then need to cancel all joint accounts. If you contact the creditors to resolve the issues on your credit report be sure to ask the creditors to take in consideration your spouse's credit history and to keep it separate from yours.

It is important to bring into account your spouse's credit history when applying for a loan. Let the lenders know that you are now divorced and starting your own credit line and are not responsible for your X-spouses credit obligations.

If you apply for credit cards, be sure the cards are in your name and use them wisely since this helps to rebuild your credit quicker than most other sources. Make sure that you pay minimum balance on the credit card accounts each month to avoid delinquencies. If possible when you see that your funds are low; pay your bills rather than making a purchase on your credit cards and always keep them current.

Once you bills are paid be sure to make a payment on your credit card to keep them current. This method not only keeps you out of trouble with your creditors, but also offers a solution for repairing and building your credit.

If you can afford to pay your bills each month and use your credit card be sure to only purchase items you need and keep it at a minimum. If at all possible payoff your credit card balances each month to avoid interest charges. Interest rates can an additional dollars to your outstanding debt, so paying off your dues on time can save you money.

If you currently don't have credit cards and decide to choose a card be honest on your application and look for the best interest rates available. If you are in debt it is wise to payoff your balances before applying for a new credit card, unless you intend to use the card to get out of debt. If you plan to use the card to get out of debt search for the best interest rates, as well as cards that offer cash back on your spending to give you every available advantage towards getting back on your feet.

There are tips for managing credit cards that will lead to repair credit. It is important that you are consistent with the use of your name. For example, if your name is Robert Pat Swisher Sr., always sign your name accordingly. Do not use your card dishonestly for advantages. Few people believe that lying can get them out of a problem. The truth is lying gets you in deeper. If you are filling out an application for credit cards tell the truth and use your cards wisely.

It is important that you understand the timeframe to apply for a credit card. If you are out of work, lived at your resident for less than a year or you have negative credit on your credit report, this is not a good time to apply for a credit card. If you are stable it is always wise to apply with lenders where you have done business in the past with.

Building your credit after divorce can be difficult at times. However it is not an impossible task to accomplish. It is important that you are aware that most credit card solicitations are gimmicks that only offer you a solution for hanging yourself further. Instead of getting out a rope and giving in to temptation, it is wise to stay alert, and investigate any credit card offer made available to you.

Finally, you want to avoid low introductory rates on credit cards since after about three months the interest rates often go through the roof.  Find a card that offers a fixed permanent rate and stick with it.

Additional Articles that will greatly assist you with your credit and obtaining financing.

Cooperation Credit Repair
Build Your Credit with Caution
Solutions to Repairing and Building Credit
Steps to Credit Repair
Credit Repair Resources