Divorce does not directly impact credit scores, but financial obligations from joint accounts can affect your rating

While a divorce decree itself won’t appear on your credit report, the financial aftermath can significantly influence your credit score. The main risks come from:

• Shared credit cards and joint accounts where both parties remain legally responsible for payments
• Joint mortgages or loans that need to be refinanced or transferred
• Missed payments on accounts that remain linked to both parties
• Changes in household income affecting ability to maintain payment schedules

To protect your credit score during divorce, prioritize separating joint accounts, maintain timely payments on all obligations, and monitor your credit report regularly for any unexpected changes. Consider working with your financial institution to establish independent credit accounts in your name only.