It should come as no surprise that a divorce comes with a lot of emotional baggage and worries. During your divorce, your living situation may change, prompting a transitional period as you readapt to your new arrangements and your new, single-income household. You may worry about your children and how they will react to the divorce. In addition to these concerns, you may also need to address your credit score and financial health. Though the act of getting a divorce does not inherently affect your credit score, the way you handle your finances during the divorce can. Here are a few ways in which a divorce can impact your credit score in a less-than-favorable way:

You Did Not Account for the Loss of One Income

One of the most drastic financial changes you will experience during a divorce is the loss of an entire income to your household’s funds. Many people underestimate the impact this can have on their financial health, especially when they have been used to running a household on two incomes for a long time. Budgeting is key when making sure you have enough money to pay for all of your monthly expenses.

Unless you have gone through the divorce process before, you probably do not know what truly happens when a person decides to legally end their marriage. Most people’s understanding of divorce is taken from movies and television shows or pieced together from things they have heard from friends and family who have gone through the process. This can result in some less-than-accurate understandings about divorce and how the process works. However, it is important to have a realistic idea of what to expect if you are thinking of getting a divorce. Here are a few common divorce myths and misconceptions and the truths behind them:

1. You Have to Have a Specific Reason to File for Divorce

Since 2016, Illinois has been a purely “no-fault state” when it came to divorce. Before that, Illinois law provided 10 possible grounds for divorce, and a person would state one or more of these as reasons their marriage should be dissolved. The old grounds for divorce included things such as mental cruelty, adultery, habitual drunkenness, and abandonment. Now, the only grounds recognized are irreconcilable differences, which simply means that a marriage has broken down beyond repair.

2. Spouses Can Be Punished if They Committed Adultery

While adultery used to be one of the grounds for divorce, infidelity in a marriage will typically not play a role in most divorce cases. In fact, the Illinois Marriage and Dissolution of Marriage Act specifically states that the decisions made during the divorce about issues such as the division of marital property should be made “without regard to marital misconduct.” This means that an ex-spouse cannot be financially penalized or lose parental rights simply because they had an extramarital affair.