# Credit report **URL:** \ **Category:** Divorce and Separation Answers\ **Created:** [February 27, 2006, 3:26am UTC](https://forum.rosen.com/t/credit-report/3029 "2006-02-27T03:26:24Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![mal](https://avatars.discourse-cdn.com/v4/letter/m/a698b9/32.png) [@mal](https://forum.rosen.com/u/mal)\ **Post date:** [February 27, 2006, 3:26am UTC](https://forum.rosen.com/t/credit-report/3029/1 "2006-02-27T03:26:24Z")
Unless the card is paid down or cancelled if it is in both of your names it will still show up on your credit report. You can contact the credit card company and explain the situation but I don’t know if that will change much. ---
**Author:** ![JanetFritts](https://avatars.discourse-cdn.com/v4/letter/j/d2c977/32.png) [@JanetFritts](https://forum.rosen.com/u/JanetFritts)\ **Post date:** [February 28, 2006, 5:20pm UTC](https://forum.rosen.com/t/credit-report/3029/2 "2006-02-28T17:20:49Z")
Dear Karen King: Greetings. You can show the lender the separation agreement which calls for him to pay all the debt and that should take care of the problem. You NEED a separation agreement prior to the divorce. Thank you. Janet L. Fritts Attorney with Rosen Law Firm 4101 Lake Boone Trail, Suite 500 Raleigh, North Carolina 27607 919.787.6668 main phone 919.256.1665 direct fax 301 McCullough Drive Suite 510 Charlotte, North Carolina 28262 704.644.2831 main voice 704.307.4595 main fax 1829 East Franklin Street, Bldg 600 Chapel Hill, NC 27514 919.321.0780 main phone 919.787.6668 main fax > **[North Carolina Divorce Law - Legal Answers and Info](https://www.rosen.com/)** > > The best resource for divorce in NC. Find accurate, legal, family law advice from attorneys practicing in Raleigh, Durham, Cary, and Chapel Hill. The response posted above is based upon the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with an attorney, fully explain your situation, and allow the attorney sufficient opportunity to research the applicable law and facts required to render an accurate opinion. The basic information provided above is intended as a public service but a full discussion with an attorney should be undertaken before taking any action. ---
**Author:** ![Karen\_King](https://avatars.discourse-cdn.com/v4/letter/k/65b543/32.png) [@Karen\_King](https://forum.rosen.com/u/Karen_King)\ **Post date:** [February 26, 2006, 3:37pm UTC](https://forum.rosen.com/t/credit-report/3029/3 "2006-02-26T15:37:05Z")
I am going through the divorce process now, my husband and I have agreed to a financial split and he is taking on the debt he incurred since our separation. The problem is, his credit card debt is showing up on my/our credit report. He has a huge debt and I have little to none. In the next 6 months I want to purchase a townhome, but this will definitely create problems. How do you handle this? Will it only be separate once the divorce is granted or can I do something about it now??? My credit card company just raised my rate due to his debt.