The Number One Divorce
X Wife Husband Question! My x was ordered to pay the home/car
loan/credit cards and one or more has my name on it and he/she is
not paying and it is killing my credit. It was court ordered. How do
I get it off my Credit? YOU CAN'T! All you can do is hope or help or
figure out a way for the ex to refinance the house/car/credit cards
and get your name off the loan. The Court can do nothing about
credit. Creditors are the only folks that can do something about
credit!
Question #1
I pulled my credit
report and there is stuff on there that was closed for at lest 12
years. the mortgage that I had with my ex-husband is on there from
1997. the house hasn't been mine for the last 12 years and he sold
it about 5 years ago. I signed the house over to him in the
annulment. how do I get really old stuff off of my credit report ?
it thought that things came off on there own. What can I do?
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The house with your name and your ex-husband's
name on it was sold 5 yrs ago not 7 years and that's why it is still
on your credit report.
Get new current rated credit on your credit
report.
Forget that
ex-husband and how he screwed your credit. 5 year old stuff does not
affect your score much if you have good credit for the past 2
years.
Do you have
credit from today back 2 years on your report that says you pay
good.
If not get new good credit started here I like the Total Visa middle of page.
these report to bureaus. Takes 2 years to clear
most all bad credit.
Dispute
validate and negotiate anything that is old and
incorrect.
Question #2
Bo, I recently went through a divorce and
our papers stated that I had to refinance our Dodge Ram pickup so
that my ex-wife's name was no longer on it. However, refinancing was
not possible and the bank ended up repossessing it. A lawyer supposedly told my ex that it's possible to get the repot off of her credit report from the bureaus. Is this possible? I read your site
and have found it very helpful, but it has been a hassle getting
anywhere with the bureaus over the phone. Should I concentrate on
mailing them or faxing my request to them?
Law does not always work with reports
she signed
the creditor
slammed both reports.
that's just a life
lesson. stuff happens.
She is the only
person that can help her report
you cannot be held responsible by law to fix
her report.
even if they say you had to
refinance in court.
you tried. It didn't
work. That's why she signed in the first place. You needed help to
get financed. How the heck are you gonna pay now that you don't have
any help?
you can
write a letter
Never hurts to try.
I doubt anyone will
help. Sorry
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Question #3
I’m applying for a rental and it so
happens that my ex’s mortgage (once mine as well) is affecting my
credit and I’m in danger of losing out on this rental property
opportunity.
He was ordered to take over mortgage
payments and has for the last ten years or so, but with payment
problems. The problem is that he has never refinanced it all in his
own name. What can I do to have this taken care of asap? Do court
records help and if so, how soon do you think this can be resolved?
I have two weeks from today to take care of it.
---------------------------
Your ex has to
refinance but might not qualify without you.
you are stuck.
co signors
beware.
you can add a comment but it
will not help your credit score.
you are even liable if a foreclosure
occurs. could even be sued.
so a refi is
desperate for you.
but your husband has to
do it and may not qualify without your income.
Question #4
Real Person
I found your blog while surfing the net,
looking for
credit help and was impressed by
all of the
information you had available.
I'm at the end of my
rope with debt and
unfortunately I'm bringing my
grandma down
with me. I am the disappointing
granddaughter who had grandma cosign for her
car and
then messed up. I got the car about
3 years ago and
over that time I've made a
few late payments, none
were more than 30
day's late but apparently there were
enough
to effect my poor grandma's credit score
prohibiting her from opening a credit card of
her own.
I feel horrible but I don't know
what I can do to
help her. She's 72 and
speaks little English so she
is relying on
me to take care of this, what can I do
to
help repair her credit?
----------------------------
Bo
one has to catch
these as they are happening and ask them to not mark it over thirty
days late
at this point all you can do is
pay on time for 2 years
after two years the
effect will be less
for your grandmother
she might open a card with her local bank or
where ever she does checking
use her account
as collateral
after one year she will have
better credit and might get past your mistakes
I would call the credit card and talk to a
manager and beg for your grandmother
but probably you will get no help
this is a cold world as you know I am
sure
Question #5
What if I took out a
loan with my x-husband for a truck for him and every single one of
his payments have been 60-120 days late? Our divorce has been final for a
year but we were separated for 3 prior. I was told that was his vehicle
and I was not allowed anywhere near it. Can I get this removed from my
credit? It’s now paid in
full as of August but all the delinquencies look
awful! I am listed
as living at 2 addresses I never lived at. Can I get this
removed? A collection
agency picked up a 10 year old phone bill and put it back on my
credit. If I contact them to
dispute won’t that reactivate the bill?
Remember that any paid of credit will have
little effect on your credit after 2 years expire. So the x husband
thing is not 7 years of death. At least it is already paid off
and you are on your way to getting this 2 years behind you.
