Skip to main content
No. of Recommendations: 2
Are these accounts with the original creditor, or are they collections accounts?

Some went into collections because he wasn't paying. BUT I took on the joint accounts and paid them off through the original creditor unless they directed me to do otherwise.

If they are with the original creditor, you should contact the creditor and find out why they continue to report the account on your credit bureau. Are you sure that the creditor has removed you from the account? Just because the divorce decree says that you are not responsible for the account does not mean that the creditor will let you off the hook. From the creditor's point of view - if you signed to be responsible, you are still responsible. If you were a joint account holder 5 years ago and the account has not been closed, it is likely that you are still responsible for the debt. So you need to work with the original creditor to get the account closed, and hopefully, stop reporting the account on your credit report, although they could validly continue to report any information on your credit bureau that occurs until the account is closed and paid off, if you are still on the account.

The accounts were closed at the time of the divorce (which I did to prevent the Ex from screwing with them). I took on the joint debts as part of the Ex's payoff of the house, so I know those were paid. On the last report I got, there were three accounts I had closed that showed back up. I disputed these and contacted the creditors to find out why they were showing up as open. They claimed that they were closed and I asked them to send a letter to the bureaus and me stating that fact. I got the letters so I'm not sure why it would still be open on my report but I guess we'll see in the next two weeks. There were also accounts that didn't show a current status (ie. updated in 2000) which I disputed with the bureaus and asked the creditors to send current information to the bureaus. The mortgage broker I dealt with had a service that helped me with the calls and checked with the bureaus one month later to make sure the information had been received at the bureaus. They called me and sent me a follow up letter stating they had spoken with reps at the bureaus and the information had been received. I'm beginning to believe the info goes in and they never update.

When I get the new report I will look into the other options you suggest if these things are still showing up.

AC *could use an extra couple Ks in the future :0) *

Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.