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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.
What else can I help you with?
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.
How do you remove a judgment from a credit report?
Go to the court that issued the judgement. If it is in error, or has been paid, they can give you a letter that states that information. Then, send a copy of the letter to the three credit bureaus. If the judgement has been paid, then the notation on your credit report will eventually be changed. If there was an agreement between you and an ex-spouse in your divorce agreement that said the other party was responsible, they may consider removing the judgement from your credit report. Be sure to keep a copy in your records, because it could come up again, especially if it is on property you own.
Why does your ex still see your credit items on her credit report?
The ex could have been an authorized user on the account or a co-borrower. If you are the primary user and the ex was only an authorized user, you can call and have them removed.
When divorce was already filed husband charged ten thou on credit card he is the primary is there an Arizona statue relieving wife of this debt and removing it from her credit report?
Although Arizona is a community property state an innocent spouse defense might be applicable in such a situation. The issue should be throughly addressed with the person's legal counsel. If the spouse is relieved of the debt it would be possible to have it deleted from any credit report it may have been entered. Joint accounts remain the liability of both debtors, regardless of their marital status. This is true when the joint debtors are ex-husband and wife, former business partners or in any other way affiliated with one another. Creditors do not care if you are now divorced, nor are they concerned with the terms of a divorce decree. If they have a wifes' name on a contract (the contract which established the debt), they will not release her from liability. The debt will also remain on her credit report for the full time allowed by law. Legal actions to recover the money will be taken against her the same as her ex-husband. These include: lawsuits, wage garnishments, seizure of banking accounts and liens against any real property (as allowed by state law). If one account holder has their portion of the debt discharged by bankruptcy, the remaining spouse will be 100% liable. The ex-wife MAY be able to sue her ex under civil statutes to recover the money, or may be able to exercise her rights under family law statutes (through the divorce court), but this would have no impact on her liability in the creditors' eyes or on her credit report.
Is a divorced spouse of 10 years responsible for credit card debt after the ex-husband dies?
If the debt is less that seven years old and if the spouse was a joint account holder, then the spouse would be responsible for the debt. If, however, it was a separate account or the surviving spouse was only an authorized user on the account, they are not responsible for the debt. * The 7 years relates to the length of time that the information can remain on the credit report. There is no time limit on debt collection only on the amount of time that the creditor has to pursue legal action to recover money owed (debt statute of limitations). You would be responsible for a joint account only, although it is not unusual for creditors to attempt to collect from authorized user's whether or not they are a spouse of the account holder.
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.
If vehicle was repossessed in 2004 but ex spouse stopped paying consistently in 1999 What date must the collection agency report to the credit bureau?
The collection agency typically does not report to the credit bureaus, the original lender does. Lenders report to the bureaus, collection agencies collect on delinquent debt.
What do you do when your ex-spouse forged your signature on check?
You call the police and report it.
How do you remove a judgment from a credit report?
Go to the court that issued the judgement. If it is in error, or has been paid, they can give you a letter that states that information. Then, send a copy of the letter to the three credit bureaus. If the judgement has been paid, then the notation on your credit report will eventually be changed. If there was an agreement between you and an ex-spouse in your divorce agreement that said the other party was responsible, they may consider removing the judgement from your credit report. Be sure to keep a copy in your records, because it could come up again, especially if it is on property you own.
Is it better to enter a judgment on a credit report before or after a bankruptcy filing. I have a judgment that isn't on my ex-husbands credit report. He is filing chapter 7 I won't be dismissed.?
unless the judgment is for damages from: intentional tort, fraud, drunk driving, spouse/child support, they yes your judgment will be discharged
In Texas Is a spouse responsible for the ex-spouse credit card debt?
If the debt was made when they were still married the answer is yes. STATED BY AUTHOR
Why does your ex still see your credit items on her credit report?
The ex could have been an authorized user on the account or a co-borrower. If you are the primary user and the ex was only an authorized user, you can call and have them removed.
Can an ex-spouse be responsible for a repossessed car also if they are the first one on the contract?
YES, IF YOU ARE ON THE CONTRACT. but that also means you have rights to the car as well as the ex spouse....if he lets the car get repossessed it will also effect your credit.... we have live consultants that can help you with this specific situation ...so try our website www.stoptheREPOman.com DO NOT LET YOUR CREDIT BE RUINED OVER AN EX!
If an ex spouse says she wants her ex dead do you have a duty to report?
If someone just says they want their ex dead, it is not a crime. If they mention money or some other compensation (including sex) for a specific act, then it might be time to report it. Use your judgement.
If you have paid your half of your children's medical expenses how do you get your ex-spouse's unpaid portion off your credit?
An entry may be marked 'paid' or 'settled' but it will remain on the credit report for the required 7 years and cannot be removed by the consumer. The consumer can write a 100 words or less letter of dispute to the reporting credit bureau(s) and the letter will be added to the person's credit file.
Can you file bankruptcy with your ex spouse?
It will leave you responsible for any joint debts you had with your ex. That includes any arrears prior to the ex filing, attorney's fees, penalties, etc. That will in turn affect your credit score and your credit report. If there are no joint debts, it should have little effect, but you may want to read her schedules in the bankruptcy court and get a new copy of your credit reports from the big three (Experian, TransUnion, Equifax), one free each year from www.annualcreditreports.com.
Can you sue ex spouse for financial damages resulting from poor credit scores?
I'm pretty sure you can.But I guess it depends on your situation.
