Credit Hell even 5 years after Divorce?

Question

It's been 5 years since my divorce and just now I finally have the courage to get another car. They approved me with a high intrest rate but at least I got one. How do I get my exhusband to pay the debt that was order in our divorce and how do I get it off my credit report? I can't even get a checking account through my credit union because of this debt. How do I start to establish good credit again?

Answer 1

i had the same problem with my ex and you have to look at the divorce papers if it says that he's responsible for that debt and he hasn't paid it you can take him to court for that - you can say that he is causing you a financial hardship you should really go talk to a lawyer about this but it will stay on your credit for 7 years from the time it was reported unpaid as far as developing good credit again just pay your bills on time and in 2 years try to refinance your car to get a cheaper interest rate

Answer 2

You should have taken him to court 4 years ago for non payment.

Remember a divorce decree and court papers are under civil/family law and debts and commercial financial matters are under civil law but between the corporation and the private individual, they do not get between the spouses and hash it out. Ex-hubby and you are one and then the creditors and you are another... they will not get involved with this civil/family case between you and your ex.

Take him to court. You will not be able to get them off of your credit report. Credit report is a glimpse into a persons financial
history. The good the bad etc, it takes years for things to come off and in fact, you still can see most thing from many years ago.

At one point you were jointly responsible for the debt correct????? Then it will remain until 7-10 years when it rotates off.. BUT depending on what credit bureau you contact, I still can put things up from when I was 17! And that still shows one late payment from 1989, which I can not get them to remove!

Establish good credit by paying down and then off ALL debts in your name on your credit report. Run all three today at free credit report .com (you can do this once a year for free) then work on the debts that are on there. If there are errors and disputes, you will have to print their forms and write letters to both the Credit bureau AND the original creditor. Then the creditor must send a deletion and correction into the credit bureaus. You may have to do this over and over until they fix it, I am on the 10th time to get all three bureaus to remove incorrect addresses when I have never lived!

So pay them down and off, get enough money to open a savings account, if not at your union then somewhere else. Never make a payment Late and never ever miss a payment. Do not run up credit cards or take any more risks, in 3 years you should be fine.

Answer 3

Have you actually seen your credit report? Check it out for errors. You should have established your own good credit in those 5 years since divorce. By simply paying things on time. NOT be late with ANY payments. My X was a loser. I couldnt even rent a car to go to my divorce. Nor was I able to get a credit card. I had to have my employer compose a letter regarding my responsibility! Always maintain one major credit card in YOUR name. Whether you're married or not. That's been the best lesson that I learned after my divorce.

Answer 4

I hear you loud and clear. I too got divorced and was given sole custody of my two daughters and my credit went to hell. In the divorce order it stated that any and all debts incurred while married, will be responsible evenly (50%) by both parties. I made every attempt to pay my 50%, but many companies want the full amount even though I sent them the court order, they don't care and will not clear up some of my debts until its all paid, and my ex will not pay, becasue she has nothing to lose. I have the kids with all the responsiblilties that come with them and she is scott free. My ex is also about 15 grand in arrears in child support. Now where is the justice in that. Yes, my kids are healthier and happier, but my credit is my curse. If you find an answer, please let me know?????

Answer 5

Take him back to court for violation of court order. Also get in touch with the credit beureus, but I would not hold my breath. You have already started to establish good credit by getting the new car. Just make all your payments on time and/or pay more than the minimum. A year from now, go back and see if you can refi through your credit union or bank.

Answer 6

You have already started the process of establishing good credit by getting approved for your car. As long as you make your payments on time and get the car paid off, it will be a positive mark. If he was ordered by the court to pay off old debt., and has not done so, it appears he is in violation of a court order. Call your lawyer or take him to claims court and get this settled.

Answer 7

I worked in a law office while going to college. Lot's of these types of issues would cross my desk.

Divorce Decree's may order a spouse to pay a debt. But, it does not absolve the debt if a party's name is on any debt. You are still obligated to pay that debt even if your ex has not paid the debt.

In all 50 states this is how the law is written, and banks, credit unions, and the like all have similar policies regarding this.

Answer 8

Tell your wife it is best that you leave because you cannot stay and watch them destroy the little girls life by waiting for her to turn 21 BEFORE trying to discipline her.It is too late then. Tell her when she was old enough to understand the words "yes and no" was the time to start disciplining her. Tell her,if they do not start NOW her "funny cute "behavior will NOT be funny in 8-10 more years. Tell her if she doesn't trust you enough to be father then she should NOT have EVER consented to marrying you, and that part of being a father is disciplining the children.You are working and putting a roof over the child's head, food in her belly and clothes on her back.You also have the DUTY to discipline her when she needs it.However if you and your wife cannot get on the same page about this, then it is best to leave because YOU will end up being that kid's door matt.

Answer 9

o to each credit bureau and let them know he is responsible in the section that asks about specific debt. You can go back to court and let the judge know he is not meeting his responsibility. Slowly it will get better. I was divorced in 2002 and i am just getting back on track. My ex paid nothing he owed and no support so I ended up having to file bankruptcy avoid that at all costs.

Answer 10

I would see a lawyer this is very hard to do yourself. Bye the way congratulations on the car. make sure you always pay on time, this will build up your credit allot, and when you get the other stuff straightened up you will have fine credit, which is very important now a days, God Bless and good luck.