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My18score

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joint account affected by someone elses bankruptcy
my mothers bankruptcy affected my credit and dropped it almost 200 points because she co signed my car and our 'joint account' was linked together even though i paid ALL on time payments and NONE late of $535/m for the entire 3 years, but since the account is now closed and even though it was reported by the grantor for someone elses bankruptcy, it is still affecting my score. What can i do to help or fix this?!

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Top Contributor
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Are you sure that the account is showing as a negative on your reports? It may be showing as "closed", but that alone is not negative. If negative information is associated with the account, on your reports, and the account was paid off in good standing, then you need to get this straightened out. You might want to dispute it with the credit bureaus, or better yet, get an attorney and start suing.

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