If your established credit report prior to you getting married and also maintained a solid credit history and also rating throughout your marriage, you might emerge with your excellent credit scores undamaged. But if your credit report is connected to your spouse along with your income and also properties, reconstructing or developing credit history can be a key challenge after separation. Improving your credit score takes some time. You may need to begin with a small credit limit or perhaps a secured credit card. Utilize your card for a couple of purchases and always pay your costs on schedule. After six months, you might have the ability to be authorized for an unsafe card, or your card company might convert your account and also refund your down payment. Otherwise, keep handling your card properly as well as try once again in one more 6 months. If you require help getting accepted for a loan, think about asking a close friend or relative with well-known debt to guarantee. If your credit score improves, you may have the ability to refinance on your own at a later time. Keep a favorable repayment history. Your payment background is the single most significant factor in identifying your credit history ; it makes up 35% of your FICO score. Even one late repayment can set you back, so pay every cost promptly. Help might be available if you're having a difficult time paying your bills. The non-profit National Foundation for Credit Counseling (NFCC) can aid you establish a budget and also pay off lenders. Or look for other nonprofit companies that supply reduced- or no-cost credit history counseling and financial administration training. Simply watch out for for-profit companies that bill a considerable fee for a "quick credit repair" but do not work with you on improving your credit.