If you're going through a divorce, there's a financial landmine hiding in plain sight that most people don't even think to check … and it could cost you years of headaches after your divorce is over. In this podcast episode, consumer protection attorney Jim Smith explains how credit reports actually work, why errors happen more often than people think, and how consumers can spot credit mistakes during their divorce before they cause serious financial damage afterward.Jim explains how common credit mistakes, from identity theft to identity confusion and mis-reported credit information, can quietly wreak havoc on your credit score. He also walks through the specific red flags you should look for when reviewing your own report. He also reveals the one legitimate website where you can pull all three of your credit reports completely free, and how to tell the difference between a soft and hard inquiry.Jim also talks about the divorce-specific scenarios that most people (and even many divorce attorneys!) never even think about. From joint credit cards to authorized user accounts, Jim outlines the surprisingly easy steps that, if taken during the divorce process, could save you from a financial nightmare on the other side.About JimJim Smith is a consumer protection attorney with over 20 years of experience litigating under the Fair Credit Reporting Act. He specializes in reviewing credit reports during divorce to help clients identify errors, identity theft, and joint account issues that could impact their financial future post-divorce.Connect with JimYou can connect with Jim on LinkedIn at James Smith. To learn more about working with Jim, visit his website at Fair Credit Attorneys.Free Annual Credit ReportYou can get your free annual credit report at annualcreditreport.com.Celebrating 3 years of Off The Fence! Special Offer - 30% off. Karen Covy is a Divorce Coach and Consultant, Lawyer, Author, and Speaker who is dedicated to helping people make the best decisions possible for themselves, their families, and their future - especially in stressful times. You can check out Karen's videos on YouTube.You can connect with Karen on LinkedIn, Facebook, Instagram, Twitter, and on her own website at karencovy.com.

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“What did the council decide on item 42?” — answered with the speaker and the moment.