It is important to make regular payments on any joint account.
You may ask the creditor and close any joint account, or any accounts your former spouse was a user on. This allows you to avoid further use of the credit account.
A creditor cannot close an account because of a change in marital status, but can close an account at the request of all the account holders or in accord with the agreement.
In the case of a mortgage or home equity loan a lender will likely require refinancing to remove a spouse from a loan.
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