Splitting up from a partner can be distressing and stressful. Apart from the impact it can have on your daily life, if you shared any joint finances the split could also affect your personal credit rating. Below are some tips from MyCallcredit on how to avoid any financial difficulties:

• Check your credit file online at www.mycallcredit.com
• Note all joint financial commitments and agree how they will be split between you and your ex-partner. Even if your ex-partner says he or she will pay it you’re still liable if they don’t.
• Contact the lenders involved and inform them of the debt you have taken on – this may involve signing new loan agreements or credit card applications.
• Make sure that you get back any credit cards from your ex-partner where they are the second card-holder – you will still be liable for their spending.
• Once you have sorted out all the credit commitments jointly listed for you and your ex-partner inform the credit reference agencies that you wish to be disassociated from your ex. If you don’t, whatever they and/or future partners do can affect your credit file for the next six years.