Posts Tagged ‘ divorce ’

Removing ex-spouse’s address from credit report after divorce

Dear Experian, My credit report shows two addresses for my former husband, who moved to Virginia. I have lived in Illinois for 36 years. I was able to dispute one address, but not the other. How do I get both removed? Also, my employer information is wrong. I was able to dispute it, but not provide the correct employer information. How do I do that? - JWD

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Why previous names appear on your credit report

Dear Experian, I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My "middle" score is 780 but I am trying to improve to 800 plus. - TEV

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When an ex-spouse attempts to get your credit report

Dear Experian, I was divorced a little over a year ago. My former spouse knows all of my identifying information. Could he get a copy of my credit report? - IEB

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How ex-husband’s address appears on your credit report

Dear Experian, After viewing my credit report, I saw that two addresses are addresses where I have never lived. They are addresses of my ex-husband. How do they get on my report? - TTO

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How divorce can impact your credit scores

Dear Experian, I read that divorce does not impact your credit scores, but I've heard from people who are divorced that said it damaged their credit. If it doesn't impact your scores, how does it damage your credit? - BEL

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Divorce decree does not remove joint accounts from your credit history

Dear Experian, I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report? - JLH

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Removing ex-spouse’s address from your credit report

Dear Experian, I had you remove my ex-wife's address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed. - RPR

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Name change after marriage won’t hurt credit scores

Dear Experian, I am married for a second time. Can having my maiden name and two married names negatively affect my credit score? My "middle" score is 780 but I am trying to improve to 800 plus. - TEV

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Joint accounts with husband can help wife qualify for credit

Dear Experian, I have been married for many years and have always had credit with my husband. If I ever need to apply for credit on my own, will I be able to get approved based on the good credit I have had with him? - EDD

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Removing ex-spouse’s name from your credit report

Dear Experian, I just got my credit report, and I see my ex-husband listed as my husband. We are already divorced. What can I do in this case? I have never paid any bill late, and my credit score is low. I want to make sure his credit is not affecting me. - MTR

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Tax liens not discharged through bankruptcy

Dear Experian, I filed bankruptcy in 2002 because of divorce. It was discharged with zero assets and zero liabilities. A 1996 Michigan state tax lien still remains on my credit report after 16 years. I understood it was included in the Chapter 7 bankruptcy in 2002. - SLV

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Deleting a mortgage after divorce

Dear Experian, I have been divorced over one year. My ex-spouse was awarded the house and all bills that she has with that house. I want that off my credit report. What has to be done to correct this problem? - PRE

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Divorce decree does not remove contractual responsibility for debt

Dear Experian, My ex-husband took over a credit card with my name on it in the divorce, and it was also stated as such in our divorce decree. He has quit paying it, and it has been charged off. How can I get that off of my reports as I no longer was responsible for it after the divorce, which took place in August of 2009? - EHI

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Separating your credit from your ex-spouse

Dear Experian, I am separating from my husband and do not want his creditworthiness joined with me anymore. How do I separate my creditworthiness from his? - SHU

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Separating your credit after divorce

Dear Experian, My husband I have had a joint credit report for the last 10 years. Our credit is in good standing, by the way. Now that we are divorcing, what steps do we need to follow to establish our own individual credit reports? Will our positive credit history follow us to our newly established individual reports, or does one person retain the good history and the other start new? - MEL

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