Protecting Your Credit from a Spiteful Ex

In Domestic Violence, Separation & Divorce by Sarah Hink

A period of separation can be a time of spite and poor decisions. At New Direction Family Law, we see no shortage of bad breakups and the resulting misbehavior. One way that this manifests itself is with money. Property division, alimony, and child support are some of the most bitter battles in family law. So it isn’t entirely surprising when one spouse tries to punish the other by trying to destroy their credit.

Tampering with another person’s credit is unlawful, yet this does little to deter a person set on revenge. The impact of identity theft can range from annoying to financially devastating, as it can affect your ability to borrow money, buy a home, rent an apartment, or even obtain employment. Therefore, we would suggest you remain vigilant and proactive if you believe that your ex may go after your credit.

  • Speak with an attorney to help stop this behavior. An attorney can help you obtain court orders to protect your marital property and to restrain your ex from harassment. And if you are already in the midst of a separation, equitable division, or alimony proceeding, your ex’s behavior is likely a violation of an existing court order, which opens him or her up to sanctions. Even if the behavior is not an explicit violation of a court order, the court can consider the behavior when making its decisions.
  • Close any joint accounts. This includes bank accounts, credit cards, debts, investment accounts, etc. To the extent that you can, you want to separate yourself from being tied down financially from your former partner and destructive financial behavior.
  • Perform regular credit checks. Everyone is entitled to one free credit check per year from each of the three major credit-reporting bureaus. Some people choose to space out how they take advantage of these free reports. Your credit report will not only inform you of your credit score, but also alert you to any recent activity in which your identity has been used to obtain credit.
  • Use identity theft monitoring. Using identity theft monitoring or protection can help your credit in real time. If there is any suspicious activity or attempts that you do not recognize, you can report fraud and freeze your credit.

New Direction Family Law

When you separate, it is important to remain vigilant. If you have separated or are considering separation, contact New Direction Family Law. This is a hard and complicated time for you, but it is important that you fully understand and exercise your legal rights. Our legal team will consider the totality of your situation and will help you develop a plan to move forward. We serve Wake, Johnston, Lee, Harnett, Cumberland, Nash, Granville, Franklin, and Durham counties. Contact New Direction Family Law today at (919) 719-3470 to schedule a consultation or reach us online.

Sarah J. Hink
New Direction Family Law

New Direction Family Law
(919) 719-3470