I inform the creditor when the balance was 0 that I would like to be remove from obligation to this account since it is my husband account and I am joint . They say than that he is the only one that can release me since he is primary .e we wear in divorce preceding so he refuse ,by the time that he agree the balance was high (done by him .and the non payment reporting is on my credit report as well
2007-01-27 23:26:39 · 7 answers · asked by ruth k 1 in Family & Relationships ➔ Marriage & Divorce
Unfortunately you will need your lawyer to speak to the creditor on your behalf. The judge will most likely side with you, if you can prove that it is your ex-husband's bills that caused the low credit score.
2007-01-27 23:30:27 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Write a letter to the financial institution and inform them that you are now divorced and would like your name removed from the account. Go to there office if necessary to do this. It can only be done with a zero balance. You wouldn't be obligated for any balance after the divorce date.
If they refuse file a complaint with the FTC, an the feds will investigate and make them fix this.
2007-01-28 00:33:35 · answer #2 · answered by michael_trussell 4 · 0⤊ 0⤋
i do no longer understand which area of the FCRA Katie is getting her concepts from. yet believe me, my reproduction would not believe something she is saying. actuality. unfavorable products could come off your credit checklist after 7 years, commencing up on the day of the delinquency. actuality. they are able to no longer be reinserted after this era with the aid of sale to a distinctive series agent, or the different reason. actuality. it may't be listed extra then as quickly as on your credit checklist. basically a creditor who has a criminal top to collect the debt can checklist. Any others can no longer in all likelihood validate the debt, for this reason posting on your checklist is a sparkling violation. actuality. i've got helped many people report small claims suits for those very reasons, and that i've got executed it myself (gained $1200). Now that pronounced, are you touching on unfavorable or derogitory comments on your historical past? Or is there some line of credit which you purely prefer deleted (which you rather do no longer prefer to do if that is in sturdy status).
2016-11-01 12:02:29 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Unfortunately you are the victim of sexually transmitted debt. If you cosigned on a loan or credit card you have an obligation to pay what ever he does not. You need to have the accounts closed right now and for your ex to have to re apply by himself for his loans. It may be too late and you may have to pay it.
2007-01-29 22:48:16 · answer #4 · answered by auntynoall 4 · 0⤊ 0⤋
Unfortunately you can't reverse a bad credit rating.
being that the account was joint it was a joint responsiblity.
you have to wait about 7 years for it to go away and for you to be in the clear again.
2007-01-27 23:35:11 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Thats a tough situation you are in there. I would speak to an attorney and/or a credit counselor if it were me to tell me the next move in straightening that out.
2007-01-27 23:58:45 · answer #6 · answered by boomerang3que 4 · 0⤊ 0⤋
lol...u can;t
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2007-01-27 23:35:45 · answer #7 · answered by mr johnson 1 · 0⤊ 0⤋