Does Divorce Show Up on a Credit Report? And Other FAQs
Divorce changes a lot — your daily routine, your home life, and, most definitely, your finances. But one thing that often flies under the radar until it becomes a real headache? Your credit score.
Here’s a breakdown of the most common questions we hear when it comes to credit and divorce — plus what you can do to stay in control.
Does divorce show up on a credit report?
Not directly. Your credit score doesn’t take into account your relationship status. However, the way shared debts and joint accounts are handled during the process can significantly impact your score. This is why it is crucial to stay informed and proactive in this process.
What happens to joint accounts in a divorce?
Unfortunately, they do not simply disappear. If your name is still on a mortgage, car loan, or credit card — even if your ex is “supposed” to handle it —you’re still legally on the hook. If they miss a payment, it’ll show up on your credit report, too.
How should I handle shared credit cards or loans?
If possible, close joint credit cards as soon as you can. For bigger debts like a mortgage or car loan, you might need to refinance in one person’s name or sell the asset. The goal? Untangle your finances so you’re not stuck with surprises later.
Can I remove my ex-spouse from a joint credit account?
Not unless the lender agrees. Most of the time, that means reapplying for the account in your name only—and getting approved. Until then, both of you are equally responsible for anything that happens on the account.
What steps can I take to protect my credit during a divorce?
These few small steps can go a long way toward keeping your credit intact:
- Check your credit reports from all three bureaus
- Set up alerts for late or missed payments
- Freeze or password-protect shared accounts if needed
- Keep records of who’s paying what
- Loop in a financial advisor to help you stay organized
What happens if my ex doesn’t pay their share of the debt?
If your name’s still on the account, the lender doesn’t care who was “supposed” to pay — they’ll come after you. Even if a court order says the debt belongs to your ex, that agreement doesn’t remove your legal responsibility in the eyes of creditors.
How do I build (or rebuild) credit in my name after a divorce?
The good news? You’ve got a fresh start. Here’s how to make the most of it:
- Open a credit card or utility account in your name
- Pay bills on time, every time
- Keep your balances low
- Consider a secured credit card if your score needs some TLC
Will divorce affect my ability to qualify for a mortgage or refinance?
It can — especially if your credit took a hit or your income has changed. If you’re considering buying or refinancing, consult with your advisor early. You’ll want to be prepared with documentation, such as your divorce agreement, support payments, and details on how assets were divided.
How long does it take to repair credit after a divorce?
It really depends on your situation. If things remain relatively clean, you might not notice a significant dip. But if there were late payments or high balances, full recovery can take anywhere from one to seven years. That said, many people see meaningful progress much sooner with a solid plan.
Does a QDRO affect your credit?
Nope. A Qualified Domestic Relations Order (QDRO) is used to divide retirement accounts, not credit accounts. Just be mindful—if you take money out of those accounts without a strategy, it can impact your overall financial picture (especially when it comes to taxes or cash flow).
Should I work with a financial advisor during my divorce?
Yes — 100%. Divorce isn’t just about splitting assets; it’s about rebuilding your financial life. A good advisor can help you protect your credit, make a budget, organize cash flow, prep for big purchases, and lay the groundwork for your next chapter.
Divorce is hard. But your credit doesn’t have to suffer because of it. With the right tools, support, and a little bit of strategy, you may be able to protect your credit score — and start fresh from a place of strength. If you’re going through a divorce or picking up the pieces after one, we’re here to help you move forward with clarity and confidence.
This content is for informational and educational purposes only and should not be construed as individualized advice or a recommendation for any specific product, strategy, or course of action. Brighton Jones, its affiliates, and employees do not provide personalized investment, financial, tax, or legal advice through this communication. This material is not intended to, and does not, create a fiduciary relationship under ERISA or any other applicable law. For individualized advice tailored to your specific circumstances, please consult with your adviser.
