curious asked:
The mortgage on a house was in both of our names, but we both declared bankruptcy separately mine was a 7 his a 13.
On our divorce decree it states that I have given up all rights to the property and it is his responsisbility. Will the company remove the bad debt from my credit history if I ask them?
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The mortgage on a house was in both of our names, but we both declared bankruptcy separately mine was a 7 his a 13.
On our divorce decree it states that I have given up all rights to the property and it is his responsisbility. Will the company remove the bad debt from my credit history if I ask them?
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Tags: Bad Credit, Bankruptcy, Credit History
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Show them a copy of the decree. They should.
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Getting Equifax, transunion or Experian to remove a bad debt is extremely hard. I helped someone do it and it took them forever and lots of follow up calls to finally not completely remove it, but not count it against her credit score. You would have to send them a copy of your divorce which states that it was not your responsibility. You should contact the credit agency directly and open a case with them and they will walk you through the necessary paperwork they need. They might also need a letter from your ex husband stating the debt was his responsibility. Like i said, I helped someone do it and although it is very hard, it is still possible, especially if your divorce states you are not responsible. Good luck!