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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 supposdly told
my ex that it's possible to get the repo 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 hassel 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.
thats 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. Thats 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
Q uestion #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.
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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?
the ex husband thing is a life lesson forget
about it and go on.
-------------------------------
dispute the errors on address
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.
Question #6
I was divorced in 1999, In 2002 my ex and I both filed bankruptcy seperately. I filed on the house we had mortgaged together so I am no longer responsible for the debt, but the loan keeps showing up on my report. The loan company is aware and has documentation that I am not responsible for the loan. Is there a way I can get this off of my credit report?
thats why they make you sign
once you sign it pretty much on your report
UNLESS
the home is sold or refinanced with out you signing.
bankruptcy
court order
nothing really matters other than you signed.
unless your wife refinances or sells the house
expect this to trouble you for years
credit is not law. it is weird i know.
watch out when you cosign
especially on a 30 yr loan.
Whoa
the only thing you can do is add a comment to your report
and tell your story
50 words or less
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Credit after Divorce ex x husband wife court ordered co-sign signed.
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