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notathome3 | How do i get my credit card off my ex-husbands credit report.he's not even on it? |
we have been divorced over 12 yrs this is a card i got on my own and one day he showed up on it so i contacted the credit card place they said he's not on it but it's showing up on his credit check how can i resolve this |
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davidmi711
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Best bet is to get the credit card company to correct the error. They reported the information to the credit bureau, it is much easier for them to correct it.
If they will not help, your ex needs to contact the credit bureau and complain about it appearing on his report. They will investigate and update as appropriate. |
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Studly
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I don't think it will do any good to file a dispute with the credit reporting agency regarding someone else's report. Your husband will have to do that.
What you need to do is contact your credit card company and make them do it.
If your husband won't contact the CRA and file a dispute, I'm not sure how to proceed. Never had to deal with this before. Usually it's someone else's item on YOUR report, and that's easy to fix. |
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greatwheelsbutbroke
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Send the credit card and the reporting agency a copy of your divorce decree.
No credit card company wants to give credit to someone if they know they are not entitled to it. Reason: they can't collect money or interest or penalties. They lose money. He will be off promptly. |
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snookieoo3
 |
call credit card company back an ask for written, dated proof that he is not on it, then you will not be responsible for any of his charges if in fact he is on it, it may be possible for you to also charge him with fraud if he is on it, good luck to you . |
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muchtodo
 |
contact whatever credit bureau it is showing up with and explain the situation and ask them to resolve it. |
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avasmava
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you each need to contact the credit agency and file a claim to correct the information. in most cases, they can take care of that sort of thing in a matter of days. i have disputed several items on my own report... it is great that you are keeping a close eye on that stuff, too! good catch and i am sure contacting the credit agency who produced the report will be sufficient. also, be prepared to produce past credit card statements showing that he wasn't on it and never used the card... failing all else, simply cancel the card and get a new one! :) you may need to make sure that his info isn't still connected to you in your credit history... by law the credit agencies are supposed to help you out with that stuff... give them a chance to do it. |
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zencherry67
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Write a formal letter to the credit agency disputing the charge. Send it certified, return-receipt requested and save your receipts. In the letter, list that you have contacted the credit card and they agree that your ex is not on the card nor is he responsible, then list their phone number and address so that the bureau can reach them to verify.
After all of this, you should receive a letter in the mail showing that it has been removed on your credit. If you haven't heard back in 6 weeks, do the letter again and send copies of the first letter too. Again, send it certified and return-receipt requested.
It takes stick-to-it-ness, but it works.
Also: Credit bureaus often want to confirm your identity in the letter. Each has different requirements. Some have fees involved.
Some want driver's license numbers and a copy of a recent bill proving you're at that address.
You can find the requirements in the below addresses. Sometimes you can even file your dispute online.
It takes some digging in their websites, but the information is there.
http://www.equifax.com/
https://www.csccredit.com/www/csccs.nsf (these guys handle some of the equifax disputes depending on where you live.)
http://www.experian.com/
http://www.innovis.com/
http://www.transunion.com/index.jsp
If it is showing up on your ex's credit reports, then he's the one that will have to do all of the above steps. Give him the credit card's contact numbers and let him know what's involved. It's his report that is messed up, then it's his responsibility to fix it, you have no way of accessing his private records in that manner. |
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navanith
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do contact the company again .,. |
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Anh Yeu
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contact the credit agency where this occur and dispute it...most likely they will remove it. |
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cindylindecker
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write to them, explaining that he is not reasonable for this bill, that he is not a card holder at the time. look at your divorce degree to make sure he was not ordered to pay it |
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