salata

Is it any know alternative to myfico.com ?

I know one option is myfico.com, but do you know any other side. Where to get experian fico score. Myfico offers only Transunion and Equifax. Used to be transunioncs.com (transunion costumer solutions) any alternatives ? Thanks for your answers.

How do you see chance BOA leave this debt like that, in collection ? I have this account in collection already for 2 years. Is it worth considering waiting next 5 years to remove it from credit reports ?

I thing you might be right, just checking, maybe missing something, somebody's experience, ideas.

Living not leaving, Sorry

I'm not leaving in Community Property State. How could I check BOA debt or my status as account holder. I could ask them for detail card statements ? I'm not sure when this debt was created, same day ex proposed to added me to his card, gave me mine card which I almost never used, all debt had to belonged to particular his card number. Once again I never signed anything with BOA.

No, I was just stating my opinion. I don't believe that it's fair to OP at all to be forced into bankruptcy for the exhusband/friend's inability to repay his debts. +1,000 Sorry, I just wanted to picture my situation also this is how I thing and how I write. I'll try change this in future.

OK, I remember that I never sign anything with BOA, I never asked to be joint applicant. I've just read on similar forum somebody sending over 30 letters signature validation letters to BOA without success. How should I act, whom should I ask to validate this debt, BOA or credit bureaus. Is true Debt validation and Fair Debt Collection Practices Act only be applied to a collection agency - not the original creditor. What do do in situation like that. I'm dealing here with BOA not collection agency.

Well, I guess you and I have very different opinions on what a friend is, and of course I don't know the background. But I respect your decision. I just went in and re-read your original post. I think I misunderstood some things, so let me see if I'm getting this right: 1) It's a $45K debt? Yikes! 2) D-ex added you to an existing BofA cc? 3) D-ex stopped paying the card and BofA pulled $6K from a joint savings account? My first question is did YOU sign anything accepting responsibility for the BofA Account? I suspect he only added you as an AU. If that's the case, then I don't believe you have any legal responsibility to pay. If you don't remember signing for responsibility, find out ASAP. Did you ever charge anything on the card? If so, there might be a theory that you accepted responsibility, but I'd say probably only for the purchases you made and nothing that he made. If you never signed for responsibility, I suspect (given the size of the debt) that it will take a sternly-written letter from an attorney to BofA and the CA to get this taken care of (i.e., removed from your reports and a written acknowledgement from BofA that you never had responsibility for the debt). If you do get written acknowledgement, KEEP IT FOREVER as this debt is likely to get passed around from CA to CA. CERTAINLY DON'T FILE BK UNTIL YOU KNOW FOR SURE THAT YOU ARE LEGALLY RESPONSIBLE FOR THIS ITEM. Answering to "friendship " matter, I could sue him but all effort would be worthless. He doesn't has any money, he has lot more debts. What can I do even with positive judgment, nothing. No assets, no money. Thats why I have to do something with my credit, go forward. He is not going to pay BOA credit card or any other debt. I don't remember what I signed, my TransUnion credit shows me as joint account holder no authorized user. What should I send to BOA in order to verify what I really signed with them ? Slim chances but could be worth to try.

This is very good advice but too late for that. We are already divorced also even if I can i don't want sue him because he did a lot good thinks in my live and we are still friends. He doesn't has any money, a lot of problems so even if I won I'll make another judgment on his credit but BOA will still considered me as responsible for this debt as joint card holder.

They took $ 6000, all my savings. You right, I closed my account long time ago with them, it's not fine wakening up one day without any money on which you considered as your backup fund.

They once took all my savings ($ 6000) from my checking account, They also canceled my other credit card which I had with them and which I still paying and receiving statements from them. Nothing regarding $ 45000 collection account, no calls, no letters. This card my ex had for long time before We meet so maybe they pursuing him. Also I'm little worried that even if I'll wait next 5 years ( already this account is 2 years in collection status) and do nothing, at same point they could sue me and force me to file bankruptcy. That why I ask if make sense to file bankruptcy and start reparing credit just after. At least 2 years after bankruptcy I could start looking for mortgage but with collection like that nobody going to lend me anything even with my positive credit score. Funny thing, on my credit reason for my score is delinquency and proportion of balances to credit limit but nothing about collection account.

All this starts happening during our separation, my husband had his credit card I had mine. I forgotten about this BOA card to which years ago my husband added me as joint owner to improve credit at that time. So once again same question, whats is better file bankruptcy or just hold still and wait 7 years until collection will be removed from my credit report ?

I need advice from anybody who has expertize in bankruptcy matter and credit reports matters. One year ago I divorced but by my mistake I still had joint bank account and credit card with my ex husband in Bank of America. Basically bank account was mine and credit card used only my ex. Same time ago I realized that I had 0 balance on account, whats happened ? My ex max out credit carts and stop paying them. On "ours" joint card it is $ 45.000 balance and bank took money from joint checking account to cover theirs loses (is this even legal ?). So main question is whats better for me, file bankruptcy and start fresh or wait 7 years until collection which I already have could be removed from my credit report. I got problem only with this one credit card which shows as collection account on my credit, all other items on my credit are in good standing and my TransUnion fico score is 649. Thank you.