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Check the billing statements to see if only one spouse's name appears. In most cases joint marital accounts will have both spouse's on the billing statement. In lieu of that call the customer service department of the credit issuer. Please be advised, some customer service reps. are not versant in state laws and may impart faulty information. When a married couple reside in a community property state both spouse's are generally held accountable for debts; regardless of which one is the account holder or the name on the billing statement. Check your credit report and you should see any accounts that have your name on them.

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