Second Act Financial Series
The Starting Over Credit Playbook™
The complete guide to building — or rebuilding — credit in your own name after divorce.
Instant digital download · 33-page PDF · 12-month action plan included
“The mortgage was in his name. The cards were joint, but he managed them. Then the marriage ends, and suddenly it’s all your department. Every bit of it.”
— Christine Moriarty, Attorney
If you don’t actually know your own credit score, you’re not alone — and you’re not behind.
Maybe you’re staring down a divorce and realizing you have no idea what’s in your name and what isn’t. Maybe it’s already final, and now you’re trying to rent an apartment, finance a car, or qualify for a mortgage — completely on your own — for the first time in decades.
That moment isn’t a failure. It’s a starting line. But a starting line without a map just leaves you circling — Googling “how to build credit,” getting seventeen conflicting answers, and still not knowing what to actually do this week.
What’s Inside
Ten chapters, moving from the fundamentals to a full 12-month action plan.
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CHAPTER 1 Credit 101 What it is, how it works, why it matters now. |
CHAPTER 2 Know Where You Stand Pulling and reading your credit report, line by line. |
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CHAPTER 3 Clean It Up Disputes, joint accounts, and errors — the exact steps. |
CHAPTER 4 The Five Factors What actually drives your score, and how much each counts. |
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CHAPTER 5 Building Credit in Your Own Name Strategies that work, even starting completely from scratch. |
CHAPTER 6 Credit Cards After Divorce Choosing, using, and not misusing them. |
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CHAPTER 7 Debt Management What to pay first, and how — Avalanche vs. Snowball. |
CHAPTER 8 Protecting Your Credit Fraud, monitoring, freezes, and post-divorce security. |
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CHAPTER 9 Credit and the Big Purchases Housing, cars, and major loans — what lenders expect. |
CHAPTER 10 Your 12-Month Credit Rebuild Plan Month by month, with worksheets built right in. |
This Playbook Is For You If…
✓ You’re heading into a divorce and want to walk out with your own financial identity intact
✓ Your name is on joint debt and you’re not sure how to separate it — cleanly, legally, permanently
✓ You haven’t looked at your own credit report in years, maybe ever
✓ You’re rebuilding after damage — missed payments, collections, or a thin file — and need a real plan, not vague advice
✓ You want to buy a home, rent an apartment, or finance a car on your own — and want your score ready when you do
Written By an Attorney Who’s Sat Across From Hundreds of Women in This Exact Moment
I’m Christine Moriarty — an attorney with 35 years of practice, including family law, and the author of seven books. This playbook isn’t theory. It’s the actual mechanics I’ve walked clients through: what a credit score is made of, how to read a report line by line, how to get your name cleanly separated from your ex-spouse’s debt, and exactly which financial products to use at exactly which stage of rebuilding.
Heal. Reclaim. Love.
Your credit is yours now. Build it intentionally.
No Vague Encouragement. Just the Mechanics.
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What This Isn’t “Just build good credit habits” Generic budgeting tips A wall of financial jargon |
What This Is A step-by-step dispute letter process Exact card and loan picks for each score range A month-by-month worksheet-backed plan |
30-Day Guarantee
If this doesn’t resonate for you, send me an email within 30 days and I’ll get you a full refund. No hard feelings, no hoops.
Common Questions
I don’t even know my credit score right now. Is this still for me?
Yes — this is exactly where Chapter 2 starts. The playbook walks you through pulling your reports for the first time, whether you’re starting from a thin file or no file at all.
My credit was damaged during the marriage. Can this still help?
Yes. Chapters 3 and 7 cover disputing errors and cleaning up joint accounts, and the 12-month plan is built for rebuilding from damage, not just starting fresh.
Is this legal or financial advice specific to my situation?
This guide is educational and does not constitute legal, financial, or credit counseling advice specific to your situation. For advice tailored to you, consult a licensed financial advisor, nonprofit credit counselor, or attorney.
What format is it, and how do I access it?
It’s a 33-page digital PDF, delivered instantly after checkout so you can start today.
The Starting Over Credit Playbook™
33 pages · 10 chapters · a full 12-month action plan · instant digital download
$12
Secure checkout via ThriveCart. If it doesn’t resonate, send me an email within 30 days and I’ll get you a full refund.
This guide is for educational purposes only and does not constitute legal, financial, or credit counseling advice. Credit scoring models vary; individual results will differ. Laws and financial regulations vary by state. Consult a licensed financial advisor, nonprofit credit counselor, or attorney for advice specific to your situation. Product names mentioned within the guide are for illustrative purposes only and do not constitute endorsement.
© 2026 Christine Moriarty · All Rights Reserved · empoweredagingwomen.com · realmomlife.com