Estranged couples with joint accounts such as; mortgages, credit cards and loans to mobile phone and television rental accounts should immediately tell their lenders of their new single status.
Otherwise there is a risk that they might be refused credit if their ex partner incurs financial penalties, eg defaults on a credit card.
A joint credit history means that partners are named on each other's credit reports as financial associates. Details of all financial associations stay on credit reports until notification of terminations have been sent to the relevant agencies.
Lenders check credit reports when assessing loan applications, and will check the credit reports of associates.
You have been warned!