If you are married, separated, or divorced, and most of the credit you obtained is in your spouse's or ex-spouse's name only, you should start to get credit in your name, too.

Getting credit in your own name is also an excellent s
trategy for repairing your credit if:

a) All or most of your financial problems can be attributed to your spouse, or

b) you and your spouse have gone through financial difficulties together, but most credit was in your spouse's name only.