Will my spouse’s bankruptcy filing damage my credit?
A bankruptcy filing appears in the public record section of an individual’s credit report and should not be reported on the non-filing spouse’s credit report. The bankruptcy does not result in removal of accounts reported in a credit report. Instead, the account credit history may reflect a zero balance with a notation that the debt has been discharged in bankruptcy. As discussed in greater detail in the answer to the question, “What happens to joint debts in one spouse’s bankruptcy?”, a non-filing spouse will not receive the benefit of his or her spouse’s discharge of a joint debt and the account history of a joint debt will reflect any delinquency or nonpayment of the joint debt by the parties.