Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Report
Profile Image

Question By
Jaimie1984

0 Contributions
0 People Helped
Divorce, need help!
When I divorced my ex-husband in May 2012, the divorce decree says he is required for a car loan that was his, but in both of our names, and another account that was in both of our names. It means I am no longer responsible for these accounts. However, their still on my credit report and have a HUGE impact on my score as one was a car repossession that I didn't want to do in the first place! How do I get the companies to get these off of my scores now that I am no longer responsible and he signed the divorce papers saying he would assume the debt.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7373 Contributions
3812 People Helped

Part of your history.

The accounts that were in both your names are still part of your credit history because, at the time, you both were co-purchasers/owners of the accounts.  These accounts will remain on your credit report for 7 years because of this.  That your ex-husband will assume the debt post divorce is fine for the debts that existed at the time of your divorce, but that doesn't undo the history that you had together. 

Starting over after a divorce isn't easy (been there) but it can be done.  You have to build your own credit history and move on (did that).  It takes patience, but you can do it.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.