Sally Herigstad
CreditCards.com

I've been a stay-at-home mom for the past 10 years. Now my husband and I are getting a divorce. I've never really had a job (unless you count working in the pizza place during high school), and I've never had a credit account of my own. Do I even have a credit score? How can I start to get my own credit and improve my credit score?

You may not have had your own credit card accounts, but you probably have more in your credit history than you think. If you and your husband opened joint credit card accounts or took out a mortgage together, the activity on those accounts is reported on both of your credit reports -- regardless of who applied for the credit or who made the payments. In fact, by law, any creditor who reports the credit history of a joint account must report it in both names.

Source: http://www.creditcards.com/credit-card-news/building-credit-after-divorce-1272.php