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Will a Divorce Affect My Credit Score?

A credit score is basically a measure of the chances of a person being able to repay debt. Credit scores are especially important when it comes to financial matters. For example, the better your credit score, the better your chances of being able to apply for a loan. For some people, credit scores are important and can help them a lot in dealing with their finances. This is why people who watch their credit scores make sure they don’t do anything that might negatively impact it. But should a divorce be one of those things to look out for?

Divorce and Credit Scores

If you’re wondering if getting a divorce will affect your credit score, the straight answer is no. A divorce will not have any direct impact on your credit score. Do you and your spouse share things such as accounts or debt? Credit scores are affected by whether you can pay your debt or bills for your credit cards. This follows that whatever goes on in your joint account can affect it too. Even if you pay on time, if your ex shares a joint account and doesn’t, both credit scores are affected. But if you do not have any shared accounts, debt, or other similar things, you don’t have to worry.

What You Can Do

If you’re worried about having your divorce affecting your credit score, the best thing you can do would be to sort out any shared accounts and debt that you have with your spouse. Before getting a divorce, you can opt-out of your joint account with your spouse, especially if you’re worried about how their spending might affect your score. Be sure to sort out all the debt as well before getting your divorce. If you get it done before it’s settled, then you won’t have to worry about it affecting your score. Having your own accounts would make it easier for you to manage your score because at least you know that you’re the one responsible for how it turns out.

A divorce, per se, won’t have any impact on your credit score. What may affect your credit score would be the accounts you and your spouse share after your divorce. That’s why, if you’re the type to worry about your credit score, it would be good that you sort out all shared accounts before the divorce is concluded. That’ll make managing your score easier.

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Mr. Hutton is a Divorce and Custody Lawyer based out of Round Rock, TX. His background is with child psychology at Arizona State University where he received a B.S. in 2006, and he continued this by working with the Children’s Right’s Clinic at the University of Texas School of Law where he received his J.D. in 2009. Throughout his practice, he has been a strong proponent of utilizing modern technology to improve his practice and the representation of his clients. He currently is the technology chair of CAFA of Travis County and is committed to improving and modernizing the practice of law in Texas. If you have any questions you can contact him at

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