Getting a divorce does not directly affect your credit score. Credit Bureaus do not take your marital status into account when determining your credit score. If you do experience a change to your credit score post-divorce, it is an indirect result of a related issue, such as dividing your joint accounts or taking on a share of your spouse’s marital debt.
In California, property division laws require a couple to divide all marital assets and debts down the middle, in a 50/50 split. This means that even if you were not the one who acquired the debt, if it is part of your community property, you will end up with half of that debt in a divorce. Adding marital debt to your finances could negatively impact your credit score.
A divorce could also affect your credit score in the sense that it can cause financial strain that leads to missed credit card and bill payments. Your credit score is calculated in large part based on your level of debt. If you suddenly lose a source of income, you must be careful to keep up with your bills and not go into debt, or else your credit score will pay the price.