No one ever expects their credit score to drop after a divorce. But unfortunately, this can happen for a couple of reasons. If you’re not careful, your credit score can take a serious hit during and after your divorce.  

Fortunately, you can still rebuild your credit score with the help of a Des Moines credit restoration. Still, it’s best to know why your credit score will drop after divorce. Here are four reasons why your credit score might decline after separation or divorce. 

A Drop of Your Credit Limit 

Though you may not have credit together after a divorce, your credit card issuer could still lower your credit limit. This happens because your credit score takes a hit when you get divorced. A lower credit score means you’re a bigger credit risk, and as a result, your credit card company may decide to reduce your credit limit.  

If you want to keep your credit limit from dropping, you can take steps to improve your credit score. Start by paying your bills on time and maintaining a good credit history. You can also work with a credit repair company to help fix any negative information on your credit report. By taking these steps, you can keep your credit limit from dropping after a divorce. 

Sabotage By Your Partner 

If you have ever been the victim of credit card fraud, you know how frustrating and confusing it can be. You may not even know where to begin in repairing your credit. Unfortunately, credit card fraud is all too common, and it often happens at the hands of someone you know and trust.  

If your partner has access to your credit card information, they may decide to use it without your permission. This can leave you with a significant financial burden and a damaged credit score. If you suspect that your partner has sabotaged your credit card, there are a few steps you can take to repair the damage.  

First, contact your credit card company and let them know what has happened. They may be able to provide you with some relief in terms of fees and interest charges.  

Next, you will need to file a police report so that you have documentation of the crime.  

Finally, you should reach out to a credit repair service for help in repairing your credit score. By taking these steps, you can start to rebuild your credit after being the victim of credit card fraud. 

Change of Budget 

When you’re married, your household usually has two salaries. You’ll be burdened with a new budget once your divorce is finalized, which your income may not be able to sustain. 

You may now have to rely exclusively on your salary to pay off the remaining balance on your car, a loan that was previously covered by two. Your credit score will almost certainly suffer if you default. 


Many circumstances, including failure by either side to make repayments on shared debts, might cause your credit score to decline after a divorce. Fortunately, a credit card repair company can help you with this issue.