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3. Get your own credit card in your name and authorized users are for suckers Getting your own credit card in your name is the best way to improve your credit score. If you are planning to get divorced, and if you don’t have your own card yet, do so before you divorce so you can still claim his income. Credit worthiness is based on household income so even if you haven’t gotten your own income yet, you can get a card. They will ask if you want to have an “authorized user” on your card, say “no.” More about getting a credit card and about authorized users here.

4. If you don’t already get your own income, get a job. Even if it is just a little part time job at Starbucks or working after school day care at your kids’ school, get any kind of income that is yours. I will write more about how getting my own job can lead to independence and eventually leaving soon.