In short, it usually will. If you have shared credit with your spouse, and you have accumulated debt together, then your credit score can definitely be affected. Just because you are divorced does not mean your responsibility for the debt created by the both of you ends. This is a good example of when collaboration works well. If the husband and wife can sit down and decide who will be responsible for what debt, this will certainly help. If it is impossible to pay off the debt, then it will certainly help to get credit counseling to address your debt In a manner that least affects your credit score.
When doing a Separation Agreement, these issues are specifically addressed. Creditors should be made aware of your Agreement should they attempt to collect on an obligation your spouse agreed to pay.
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