Just as general FYI for other readers, it's not just in cases of divorce that joint accounts can be a problem. Another scenario is if there is some financial disaster, for instance medical expenses that insurance won't pay, or business failure, that pushes one member of a couple into bankruptcy. If the accounts are not joint, the non-BK partner's credit is protected, and the family can continue to function with access to credit while the BK'd partner works through the long, dreary process of BK discharge and recovery.
Obviously, no one hopes (or expects) these situations to happen, but they do. If anyone can avoid going joint, it's a good idea. I'm AU on one of DH's old cards simply to mooch the history, and this will be gone if FICO 08 ever kicks in (if ever, if ever.) I've thought about switching to joint now, but there's no point. If I ever do see a major score hit from losing that borrowed history, I'll look at switching to joint then. But at the rate that it takes the lending world to change their use of score formulas, it will probably take so long that my real history will probably be old enough on its own, and I won't need his account anyway !
Obviously, no one hopes (or expects) these situations to happen, but they do. If anyone can avoid going joint, it's a good idea. I'm AU on one of DH's old cards simply to mooch the history, and this will be gone if FICO 08 ever kicks in (if ever, if ever.) I've thought about switching to joint now, but there's no point. If I ever do see a major score hit from losing that borrowed history, I'll look at switching to joint then. But at the rate that it takes the lending world to change their use of score formulas, it will probably take so long that my real history will probably be old enough on its own, and I won't need his account anyway !