After the divorce, the credit information of both parties actually does not affect each other. The bad record in the credit investigation is caused by myself and has nothing to do with others in principle. Only after marriage, if you handle credit business, both husband and wife are the same borrower. At this time, the other party's poor credit information will have an impact on their application for credit business. In addition, buying a house after divorce will be bound by local policies, and sometimes it takes some time to get a loan to buy a house.

For personal credit loans, the borrower's credit information will be checked. Even if you can see the basic information of your spouse, such as name, ID number, contact number, etc., you will not check your spouse's credit information. However, compared with single people, married people are considered to be relatively stable and can get extra points when lending.

Conditions for applying for mortgage loan:

1, the applicant has full capacity for civil conduct;

2. Have a permanent residence or valid residence certificate in China;

4. Have a fixed occupation or a stable economic income;

No bad credit record.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 1089

At the time of divorce, both husband and wife should bear the same debts. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.

Article 1076

If the husband and wife voluntarily divorce, they shall sign a written divorce agreement and apply for divorce registration in person at the marriage registration office. The divorce agreement shall specify the expression of willingness of both parties to divorce and the consensus on matters such as child support, property and debt disposal.