Lenders do not see your marital status. What they see is joint credit, missed payments and financial association with another person.
What to do
- Get your credit report from more than one agency.
- Close or convert joint accounts once balances are cleared.
- Request a notice of disassociation after the last joint account closes.
- Keep every payment on time during the divorce, even if money is tight.
- Register on the electoral roll at your new address.
This article is general information about the law of England and Wales, not legal advice. For advice on your situation, speak to a solicitor.