Credit Advice

Keep paying debts on time during a divorce


Have a question?

Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.

Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.

Our policies
The information contained in this column if for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation.

Please understand that Experian policies change over time. Column responses reflect Experian policy at the time of writing. While maintained for your information, archived responses may not reflect current Experian policy.

Credit Advice

Keep paying debts on time during a divorce

Dear Experian,

I have a great credit score so far and I'd like to keep it that way, but my husband and I have separated, and he is not a very responsible person when it comes to paying his own personal bills. Most of the time I have to pay for his bills to make sure my credit won't go bad. If I stop paying his personal bills, will it affect my credit and my current loan interest rates, etc. before we get a divorce? Should I get a divorce first? I just can’t keep paying his bills anymore. I will have big financial problems.


Dear GSA,

Going through a divorce is very difficult. Financial issues, particularly credit, make it even harder. Sadly, a vindictive or irresponsible spouse can make it worse.

All too often, one spouse decides to hurt the other by piling up credit card debt, thinking they will leave their former husband or wife straddled with debt. But, they actually are hurting themselves, as well.

High balances and unpaid debts for joint accounts will appear on both individuals’ credit histories leaving not only a ruined marriage, but also ruined credit histories for both.

Your current loan interest rates could be affected if you miss payments. To find out, check your contract with the lender. In some cases, credit contracts specify that if you miss payments the interest rate can be increased automatically. Late payments almost certainly will affect your ability to obtain new credit in the future.

A divorce decree does not separate responsibility for the debts with your lenders. A divorce decree is simply an agreement with the court as to which of you will take over the payments. You have to have the lender change your contract to remove your obligation for the debt.

For that reason, it is best that you continue to pay those bills if they are joint accounts with your soon-to-be ex-husband. You are as responsible for charges on joint accounts as he is, even if it is for something he bought for his personal use.

By contract, joint account holders agree to repay the debt of the other person does not. Therefore, joint accounts appear on both your credit history and his.

If possible, close the accounts to further charges so that he cannot continue to amass debt. Work with the lenders to remove you from responsibility and to make him wholly responsible for the debts. Unfortunately, your lenders may be reluctant to do so if your ex-husband cannot repay the debt alone.

It is also a good idea to keep at least one credit card in your name only so that you have an established credit history.

Talk to him if you can, and share this information. You are both hurting, but you both will be hurting worse if he continues his reckless credit behavior.

Thanks for asking.


- The "Ask Experian" team

  • © 2016 Experian Information Solutions, Inc. All rights reserved.