Ask Experian

Divorce and Credit


Find Answers to Your Credit Questions

Search the Ask Experian advice column. If you don't find the answers you're looking for, you'll have the chance to ask your specific question.

Ask Experian

E-mail Address




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.

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.

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