The Strategy –to lower credit utilization, make an extra credit card payment mid-month, either estimating what you owe or checking your current balance online.

When a couple is married, they often hold joint accounts, such as savings, credit cards and mortgages. This links their credit scores together. If you’ve just gone through a divorce, your credit may be in shambles. Sometimes, one partner will run up a huge credit card bill, deplete the equity in the home or otherwise try to wreak havoc with the credit score of the other party. It’s important to address this problem head on.

You and I might revel in the crisp autumn weather, but your credit score hates this time of year. The reason? Starting in October and continuing through the next 90 days, many households dramatically increase their spending.

If you have friends who work at banks, especially if they are in lending, you might be tempted to ask them to check your credit score for free.

Divorce is all about division – the separation of two people from each other, dividing up property, dividing kids’ time between parents but does divorce have to mean a separation from a good credit score?