Subject: Having additional account on my ex-husbands credit card
Fri Jun 22, 2007 9:54 am
My Ex-Husband has stopped paying for his credits. I have an additional account on one of the cards. Will this affect my credit scoring? I might need to take a loan in the near future that is for my new apartment. What do I do? Any help is welcome.
Fri Jun 22, 2007 10:08 am
I am not in contact with my ex-husband though. Will that be a problem?
I am afraid this will reflect on your credit report. But don’t worry. Check your credit reports soon. If it shows on your report then go ahead and dispute it. It will be removed. Mention that yours is an additional account and you are not responsible.
The best thing is you dont need to worry about proving that you are an additional account holder. Leave it completely to the CRA. They will do it proactively. I faced a similar problem when I got divorced with my wife. I was completely shocked when i saw my credit report . Today I am burden free. But do keep a check on your credit report. Dispute any incorrect item that it might reflect.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.