Trishanna, you weren't as shocked as I was when my ex and I divorced and I learned I had no credit, even though I had always paid all the bills. He kept the house, furnishings (everything!), and all the bank accounts. (The alternative was to drag the kids into it and fight it out...he said he'd ask for custody even though he didn't want the kids, just to get the house.) The kids and I started over from scratch. Fortunately, I had a far better job that paid very well, so it all worked out although I'll never forget my daughter saying, "we don't have a TV!" I reminded her that we also didn't have a table or chairs or a lamp or much of anything else. Still, I paid high interest when I scraped together enough to buy a house, all because I had no credit. I maintain that I had a totally liberated divorce!