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 Scores
Profile Image

Question By
jbooger0501

0 Contributions
0 People Helped
How do I add a statement to my report indicating that a delinquent account is my ex husband's fault?
My ex husband took over financial responsibility of our house and home equity loan in our divorce. It is specifically written into the settlement agreement. Bank of America would not release me from the two loans until he refinanced. He had until August to refinance but has decided to stop making payments. My credit score just dropped 200 points because of this!! Can I put a statement into my report that includes the settlement agreement and an explanation of what he has done?

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
5038 Contributions
1136 People Helped

You can try this. Contact the credit bureaus and tell them that you have a legal document showing that your ex had responsibility for the accounts. Submit to them a copy of the agreement. You may also want to speak to your divorce attorney about this or if the are unfamiliar with the laws in this area, then consult with a consumer law attorney. I am not sure if this would work or not as you may still be on the hook, but it is worth a try and definitely worth speaking to a lawyer that practices in your state.

Top Contributor
5038 Contributions
1136 People Helped

I forgot to answer your question. No you cannot add statements or explanations to accounts on your credit reports.

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.