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How can you get your name off the credit report if your ex let the joint credit card get charged off and the truck was repossessed?
The divorce is of no consequence. If your spouse and their ex opened joint accounts while they were married, they are jointly liable for those accounts and both credit reports will reflect the history. A divorce never supercedes any other contract.
You mentioned that the accounts were "both in other spouses name". If that were true, the accounts would not be on your spouse's credit report in the first place.
What else can I help you with?
Is the credit rating of a cosigner's spouse affected?
This should not show up on your personal credit report, but if you jointly apply for a loan (it is usually required that both spouses be on real estate transactions) it will be listed as one of his obligations and possibly reduce the amount that will be approved. And if the cosigned loan is in default or has been charged-off or repossessed, it could make it difficult to get a joint loan.
Why is my parents' address showing up on my credit report?
Your parents' address may be showing up on your credit report if you have used it as a previous address or if you have a joint account with them. It's important to update your address with the credit bureaus to ensure accuracy on your report.
Does the primary borrower receive any benefit to their credit rating when there is a cosigner on the loan?
This debt will appear on your credit report as a joint debt. It will bare just as much weight on your credit report as if it were in your name alone.
If you pay off your spouse's debts before you get married would that improve your joint credit rating?
There is no such thing as a joint credit rating or joint credit score. Even when two people apply for credit together, their credit is pulled and scores are provided separately. These two separate reports can be merged into one single credit report, but look closely; you will still see separate scores on each bureau for them.
Does a mortgage show up on both borrowers credit report?
If the account is a joint account (bill comes in both of your names), then yes, it will be reported to both of your credit reports.
Does your credit report show if your married?
If you filled out any applications for credit and said you were married -or- if you have any joint credit with your spouse, it will be on your credit report.
Is the credit rating of a cosigner's spouse affected?
This should not show up on your personal credit report, but if you jointly apply for a loan (it is usually required that both spouses be on real estate transactions) it will be listed as one of his obligations and possibly reduce the amount that will be approved. And if the cosigned loan is in default or has been charged-off or repossessed, it could make it difficult to get a joint loan.
Is a financial association created on your credit report when two people apply for any type of joint financial account?
Yes, anytime you open a new credit account, even if it is a joint account, it is reported on your credit report either when it is opened or when it is unpaid.
Why is my parents' address showing up on my credit report?
Your parents' address may be showing up on your credit report if you have used it as a previous address or if you have a joint account with them. It's important to update your address with the credit bureaus to ensure accuracy on your report.
Does the primary borrower receive any benefit to their credit rating when there is a cosigner on the loan?
This debt will appear on your credit report as a joint debt. It will bare just as much weight on your credit report as if it were in your name alone.
Why are my wifes credit cards on my credit report?
if you are joint or even an authorized user on the accts they will show on your report also---only on hers if individual accts and you are not tied to them in any way
If you and your husband have joint credit card accounts why would nothing come up on a credit report using his SS number only under yours?
You would have to get a copy of his credit report from all three bureaus to answer this.
What is a joint loan?
A joint loan is when both individuals are fully responsible for a loan and it will report on both individual's credit bureau. So if both individual don't make a payment or does not pay enough of the monthly payment it will report on both credit bureau files as a late payment.
If you pay off your spouse's debts before you get married would that improve your joint credit rating?
There is no such thing as a joint credit rating or joint credit score. Even when two people apply for credit together, their credit is pulled and scores are provided separately. These two separate reports can be merged into one single credit report, but look closely; you will still see separate scores on each bureau for them.
Does a mortgage show up on both borrowers credit report?
If the account is a joint account (bill comes in both of your names), then yes, it will be reported to both of your credit reports.
How do you remove an ex spouse from a credit report?
Contact the credit beau's by phone or postal mail. Ask for the individual's name to be removed from current co- applicant / spouse section of your report if applicable. Your ex spouse's name will still remain on joint accounts until they are no longer being reported by the creditors. If you look at your report locate the date credit will continue to show on your report and that is how long your co-applicant will remain on your credit. Ex: John Doe, creditor, joint account. With Experian it may say the name of the other person who holds the joint account. Ask which creditor's may still be reporting it as such and contacted them. Check your credit regularly and look to see that spouse is not later added back on my mistake.
Who do you contact for a cosigner information to show up on their credit report?
You don't have to contact anyone. The lender will report information on the primary borrower, cosigner, joint owner, guarantor, and other relationships.
