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bs22274

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i went to prison for seven years. how can ifix my credit quickly
my wife declared bankruptcy after divorce left me with all debt

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Get credit reports.

Unfortunately, quickly in the credit game may not be the same as what you mean.  Getting this mess straightened out is going to take a bit of time and effort on your part, but it can be done.

First, go to freeannualreport.com and get copies of all 3 credit reports.  Go over them very carefully and thoroughly.  Note any items that are absolutely not yours and prepare to file disputes on these items with the credit bureau reporting them.  Don't file the disputes yet, because you're going to need to search for the statute of limitations on collections to see what the statute of limitations is in your state.  The dates of divorce and date she filed the bankruptcy will also come into play as is "the date of last activity" (i.e., payment) on the bills.  In my state, the statute of limitations is 6 years, so if the bankruptcy date was prior to July 25, 2007, the bills would likely be uncollectable due to expiration of the statute of limitations.  That would be the dispute reason for the debts that existed at the time of the divorce, if they are listed on your credit report.

I'll be keeping track on this post to help more if necessary. 

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