Credit Advice » Life Stages » Divorce


When a married couple decides to part ways, they face emotional, monetary and credit concerns. While your spouse’s credit report may appear very similar to yours and share common information, each individual has his or her own credit report, married or not. However, your joint accounts appear on both credit reports. In the case of divorce, it’s best to pay off any existing balances on your joint accounts and close them.

Divorce Decrees and Debt

A divorce decree is an agreement you and your ex-spouse have with the court. It outlines who agrees to pay existing debts, but it does not legally change the contracts you have with your lenders. In order to change any contracts, you need to speak directly with the lender. The lender then must agree to change the contact and remove your responsibility for the debt.

Until the lender agrees to change the account, you still share equal responsibility for the debt and it will not be removed from your credit report.

Divorce Agreements and Credit Reports

December 28, 2014

Dear Experian, My divorce agreement requires that I write a letter to the credit agencies stating that all pre-marital debt on my report is my responsibility. Where should I send...

Removing Ex-Spouse’s Address from Credit Report after Divorce

May 2, 2014

Dear Experian, My credit report shows two addresses for my former husband, who moved to Virginia. I have lived in Illinois for 36 years. I was able to dispute one...

When an Ex-Spouse Attempts to Get Your Credit Report

August 23, 2013

Dear Experian, I was divorced a little over a year ago. My former spouse knows all of my identifying information. Could he get a copy of my credit report? - IEB

Ex-Spouse’s Address Appears on Credit Report

August 14, 2013

Dear Experian, After viewing my credit report, I saw that two addresses are addresses where I have never lived. They are addresses of my ex-husband. How do they get on...

How Divorce Can Impact Your Credit Scores

August 13, 2013

Dear Experian, I read that divorce does not impact your credit scores, but I've heard from people who are divorced that said it damaged their credit. If it doesn't impact...

Divorce Decrees, Joint Accounts, and Your Credit Report

July 31, 2013

Dear Experian, I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but...

Remove an Ex-Spouse’s Name from Credit Report

September 26, 2012

Dear Experian, I just got my credit report, and I see my ex-husband listed as my husband. We are already divorced. What can I do in this case? I have...

Deleting a Mortgage After Divorce

August 3, 2011

Dear Experian, I have been divorced over one year. My ex-spouse was awarded the house and all bills that she has with that house. I want that off my credit...