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Why was you denied credit for not knowing your husband's ex-wife's address and birthday?
Wiki User
∙ 13y ago
There is little likelihood that one was denied credit specifically for not knowing the address and birthdate of one's husband's ex-wife because alimony payments do not have to be disclosed when applying for credit and are usually only considered on the income side, not the expenses side (i.e., benefits the alimony payment receiver, does not negatively impact the alimony payment payer when either apply for credit).
The above said, the bank may have wanted to conduct due diligence and contact the ex-wife in order to determine what, if any, alimony payments were being paid to her.
When denied credit, you are required to receive a letter which identifies specifically why credit was not granted, and that letter must be sent within thirty (30) days of the denial decision. With that letter, you may see the specific reason(s) why credit was denied and you are entitled to get a copy of the credit report(s) that was (were) used to influence that decision.
Wiki User
∙ 13y ago
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