I did not sign the loan and it was in her name. She did tell them my income but I never signed anything. Can they make me pay this bill? How did they put it on my credit report in the first place. She never gave them my social security number. We live in NY and as far as I know it is not a community property state. Help!!!!!!!
2007-02-27 11:20:48 · 5 answers · asked by Tina 1 in Business & Finance ➔ Credit
Contact the credit bureaus and have them fix your credit report and have her pay the bill either way...
2007-02-27 11:30:07 · answer #1 · answered by Anonymous · 0⤊ 0⤋
First, call the creditor company. Did your DW name you as an Authorized User on the account? If she did, you need to have her creditor remove you as an Authorized User of the account and then report this status change to the Credit Reporting Agencies. If she named you as a joint owner of the account, or if the creditor thinks you co-signed the account, you might have to pay off the account and then close the account. One more possibility: an error made by the creditor when reporting the account to the Credit Reporting Agency(CRA). In this last case, dispute the matter with the CRA.
2007-02-27 11:36:40 · answer #2 · answered by VT 5 · 0⤊ 0⤋
If you really did not sign anything, then you can dispute the account that belongs to your wife. Ask the mortgage company which credit reporting agency is showing the debt on your credit report. Go to their website and follow the instructions to dispute ownership of the debt.
The creditor is required, by regulatory statutes, to respond to the credit reporting agency within 30 days. If they do not, the agency is required to remove the debt from your credit report.
This is all free, too.
2007-02-27 11:35:45 · answer #3 · answered by beachbum72 2 · 0⤊ 0⤋
you are able to carry on with on my own and in basic terms your credit will impact approval and the interest fee. yet, Florida is an area assets state so she could be on the deed and she or he could sign a settlement with the lender to permit her interest to be repossessed interior the form of a default even however she isn't on the loan.
2016-10-16 22:03:26 · answer #4 · answered by porix 4 · 0⤊ 0⤋
Your wife's debt is your debt, too. Welcome to the wonderful world of marital debt. Pay up and move on.
2007-03-03 09:24:15 · answer #5 · answered by annazzz1966 6 · 0⤊ 0⤋