同林鸟离婚前需考虑的六个财务问题

3. Watch and Establish Credit.

3. 留心信用情况并建立信用
Get an individual credit card if you don't have one already, and consider freezing joint credit cards.
如果你还没有个人信用卡，那么现在就去办一张，并考虑冻结联合信用卡。

Obtain a credit report for yourself, says Anthony Ogorek, a financial planner in Williamsville, N.Y. A credit report will detail balances outstanding as well as open and closed lines of credit.
 

纽约州威廉斯维尔(Williamsville)的理财规划师Anthony Ogorek建议，为你自己准备一份信用报告。信用报告将列出你未清账款的细节情况以及开放式、封闭式信用额度。
'This can be critical in the event a spouse tries to retaliate by running up credit balances,' he says.
他说，如果配偶企图通过刷爆信用卡来报复你，那么这一步就显得至关重要。
It can also determine if your spouse has opened accounts you are unaware of, says Bonnie Sewell, a financial planner in Leesburg, Va. You can obtain a copy of your report free at AnnualCreditReport.com.
 

弗吉尼亚州利斯堡(Leesburg)理财规划师Bonnie Sewell称，如果你的配偶开设了你不知道的账户，那你可以在AnnualCreditReport.com这个网站免费获得信用报告的副本。