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Ladyeyj

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What if majority of the problems on my credit report was caused by ex-husband. How can it be fixed?
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Very tough question.  What types of debt are you talking about?  Mortgage, credit cards, auto loans?  A divorce decree doesn't mean anything to your creditors, but if the charges were incurred after your divorce was final, you could dispute with the creditors and bureaus explaining that you were not part of this debt.  I am assuming that the accounts that are showing up are "joint" accounts.  You need to contact all active creditors showing a "joint" account and find out how to get yourself off the account (or get him off the account).  Each situation is going to be different.  For example, if you both had a mortgage together, then one of you needs to get that re-financed in their name only, otherwise it will always report as a joint account on both your records.  Hope this helps somewhat.

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jwsister

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Usually, ina divorce, the court will determine who is responsible for what bills and it will be so stated on the divorce papers.  Copies of those orders will help you get your affairs in order.

However, the joint accounts are going to be reported for 7 years post divorce because that is the time limit for said reports. 

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Thank you both for your helpful responses!

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