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ragland10

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account with synbc/low balance $3154.5.Lowes divorced 6/2010
want him off my credit report. ?

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Okay.... make that happen then

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If you really want the account you share with your ex-husband taken off your credit, just send a copy of the divorce decree to the companies reporting it and another copy to the credit bureaus to prove you are no longer a responsible party to the accounts.  However, I have a feeling that account wasn’t included in your divorce decree, or you would have been smart enough to do this already.

So then we are stuck asking if you are an Authorized User of the account or a Joint User of the account.  If you are a JOINT USER of the account, you will have to ask to be removed from the account or close it.  You can attempt this by speaking to your ex, the company, and/or an attorney.  But if you are legally bound as a joint user on the account, you may have to completely pay the entire balance off before you can close the account and be removed.

If you are only an authorized user of the account all you have to do is contact the company and the credit bureaus requesting that you be removed from the account and request that it stop reporting to your credit.  As an authorized user, you are not legally responsible for the payments, so they will typically remove you without much more effort than a letter requesting it.

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