My ex-husband trashed my credit!?

Question

I have two major charge offs on my credit report one is for 6k the other for 3k. Both generated by my ex-husband. The accounts were in my name alone he just used the cards. Both accounts have been closed since 1998 and they are still on my credit report. I cannot afford to pay them, never could and they are destroying my life! I've recently disputed them with the credit bureaus and waiting for a response. Anything else I could do?

Answer 1

if he used your cards without consent you may be able to dispute it if you can prove it. also, it is quite old and the creditors may not have record of the charges in which case if you have disputed it with the credit bureaus.
if the creditors have a record though you are responsible for them since they are in your name and you cannot prove the charges are fraudulent.
you need to know they will never go away unless you deal with them. very often the creditors will work out a settlement with you. in some cases for as little as 50% if you can pay them off at once. pay one then save enough to pay the other. the other option is to enter into a payment plan and ask them to update your credit with the payments or keep track of the payments to show they are made in accordance with your agreeement and on time. this will help reestablish your credit.
good luck

Answer 2

If you are still on okay terms with your ex you might try having him write a letter saying he was responsible for the credit. The bad part about your situation, which the reporting companies can only go by, is the fact that the credit was issued to your name.
The only other possible way out of this (besides bankruptcy) may be to find receipts related to what HE bought for himself, which will at least be some proof the reporting companies could use to help you.
Do not give up. Keep fighting. The more persistent you are the better your chances.
Jeff S. (above) also had a few good suggeestions.

Answer 3

If the accounts were in your name only, how did your ex-husband use the accounts? If you allowed him to use the accounts, you accepted responsibility for the charges. If you did not, your best bet is to charge him with fraud and use the judgment to dispute the charges a not yours.

Answer 4

I think once the debts are so old they can be removed,
call up a lawyer and ask
untill then, you are stuck unless you reported that the cards were used fraudulently ( back then) or stolen ( back then)
get a secured credit card, and start building back up slowly....

Answer 5

Take him to small claims court. Get as much proof as possible. Also, do your homework, you may be able to get the debts removed through a different means than disputing.

Answer 6

Go to creditboards.com and if you're really serious about fixing your credit read ALL the information they have. I tried it and it really helped me in disputing negative items on my credit.

Answer 7

they should drop those accounts from your credit report- 7 years statue of limitation law apply.

Answer 8

I thought they dropped off after seven years......wait til you get a response then let us know what they said. Its better to get that response to your dispute first.

Answer 9

Oh no....another female victim of a man??? .........Say it ain't so!....stop whining about something you should have fixed in the 1st place.........women trash men's credit all the time...but you won't hear them whine and complain about what the woman did to them..get it?

Answer 10

If its in your name its fraud get the police in