To avoid additional inconvenience in a divorce, keep credit in your own name. Don’t use your spouse’s name (Mrs. John Doe) for any type of credit.
If the divorce causes the name on your account to change, your loans may be reappraised and you may even have to reapply.
Get an updated credit report, and ensure that your name and your spouse’s name are being reported correctly. Check for any incomplete or incorrect information in your account. Incorrect information can be corrected by writing a letter to the credit reporting agency. They must confirm receipt of your request and inform you when the mistake has been corrected.