How does divorce affect my credit?

If you and your spouse held joint accounts, a divorce decree doesn’t change any contract that you both signed agreeing to pay your bills. When you divorce, each of you remains fully liable for joint debts. 

As soon as the relationship “heads south,” ask the credit grantor to remove your spouse’s name as an authorized user and to convert the account to an individual account in your name only. You may also consider closing all joint accounts to avoid additional charges.