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Divorce and Credit

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Divorce and Credit

When you obtained credit, you and your spouse engaged in a contract agreeing to pay your bills. A divorce decree doesn't change that contract. When you divorce, each of you remains fully liable for your debts.

There are ways to prevent credit obligations from making divorce more difficult, and re-establish your own distinct credit lines: Communicate with your soon-to-be-ex-spouse. Ask each company and bank that extended you credit to transfer the debt to the name of the person who will be responsible. Keep your joint bills current. Ask the credit grantor to remove your spouse's name as an authorized user or close the joint account to additional charges. Inform all creditors that you are not responsible for debts charged by your ex-spouse on joint accounts after the divorce. Close as many joint accounts as possible.

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