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MMeilstrup
Joined: 18 Sep 2008
MMeilstrup's page
Posts: 2
136 Magic Points
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Subject: How can I have a charge off removed from my credit?
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Thu Sep 18, 2008 3:15 am
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| I just discovered that two charge offs appear on my credit report. I was not aware that I was an authorized user in my ex husband's account. It is having a negative impact on my credit score. I do not live in a community property state. Otherwise my credit is impeccable? How can I have them removed? |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Thu Sep 18, 2008 5:51 am
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Hi MMeilstrup
As per the old FICO scoring model, if you are an authorized user of a credit card accout, the payment history of the primary account holder ie your ex husband's credit history will also reflect in your credit report. Now since charge off listing can never be removed from your credit report before the expiry of seven years, it will stay there for this period. However, as per the New FICO model 08, the delinquency listings of the primary account holder will not be listed in your credit report.
_________________
Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Thu Sep 18, 2008 6:36 am
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I agree with Anthony. I think that your credit score will definitely improve as soon as the new FICO scoring model 08 becomes effective. This is because the delinquencies with your ex husband's credit card will be removed from your credit report and so the charge offs will no longer be listed in your report. However, if the listing is not removed from your credit report after the new model becomes operative, you may contact the credit bureaus and send them dispute letters asking them to remove the listing.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Fri Sep 19, 2008 12:13 am
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| Wow MM bet this is good news huh? When does the new FICO scoring model of 2008 become effective? |
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erb1953
Joined: 31 Dec 2007
erb1953's page
Posts: 621
-55 Magic Points
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Fri Sep 19, 2008 5:56 am
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omg, this is good and bad, can you imagine how many people will end up with their ex's bad debt reported. I was the primary on a card and my ex ran it up and did not pay his portion, I got stuck with the bill. I was glad it reflected on his account too.
how will this work with joint accounts? |
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JeremyNk
Guest
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Subject: I need good web hosting
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Sat Sep 20, 2008 7:52 pm
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Hi Guys!
I am looking for best web hosting where I could host many domains...
I also need big bandwidth and space.
Could you please recommend for me some good host?
Jeremy. |
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blowblob
Guest
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Subject: A problem with forum
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Sat Sep 20, 2008 9:01 pm
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Hello I'm newbie here and can't find a search on the forum
Could please someone point me to it.
Thanks,
Drew |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sat Sep 20, 2008 11:48 pm
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what are you searching for drew? Let us know and we can direct you to where you need to be looking.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sun Sep 21, 2008 12:01 am
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| GN I think with joint accounts both are responsible. were you now really mad when he did this? What kind of person can look in the mirror when they do this to someone else. Couldn't you take him to small claims court. I seen this happen plenty of times on judge Hudy and the other person got held responsible. |
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