CA's Changed Status From Individual to Joint.

[PaulieFL]

Hi,

Been reading on these forums for a few months now. BTW, Great stuff. Hopeing for a little advice here.

I have 4 negatives on my account that is killing me. I think my CR is keeping me from getting a job.

Went through hard times in crash and lost house and then more money troubles lead to divorce.

Ran CR and later found that not all CC's had been closed and had beeen run up and not paid.

 

Wife did BK and left me with foreclosure, 10k line of credit and a 10k CC and anoher small card.

I had pulled my CR 2 years ago and all of these were being paid but all late 180+

 

Now I see these accounts 2 years later as forclousure joint but all the other accounts had been changed to individual owner status. I don't remember getting this line of credit and even if I did i don't think I could get a loan off my house by myself, It would have to be joint there.

 

Question is what can be done here. Sure would like to make it go away. Already have Calvary Portfilo calling 2-3 times a day. Is therre a way that I can get the CC to find out dates of purchases so I can prove it wasen't me using them? It may be MDW did a BK and erased her name off and they had to name me.

I had assumed a lot of the debit on a few personal cards as per a divorce agreement. She was supposed to take care of the home. My layer never did what i had asked and pulled a CR to see that all accounts were straight. Now i'm gonna pay again.

 

Any help much apprecieated.

 

 

 

[PaulieFL]

Hi,

Been reading on these forums for a few months now. BTW, Great stuff. Hopeing for a little advice here.

I have 4 negatives on my account that is killing me. I think my CR is keeping me from getting a job.

Went through hard times in crash and lost house and then more money troubles lead to divorce.

Ran CR and later found that not all CC's had been closed and had beeen run up and not paid.

 

Wife did BK and left me with foreclosure, 10k line of credit and a 10k CC and anoher small card.

I had pulled my CR 2 years ago and all of these were being paid but all late 180+

 

Now I see these accounts 2 years later as forclousure joint but all the other accounts had been changed to individual owner status. I don't remember getting this line of credit and even if I did i don't think I could get a loan off my house by myself, It would have to be joint there.

 

Question is what can be done here. Sure would like to make it go away. Already have Calvary Portfilo calling 2-3 times a day. Is therre a way that I can get the CC to find out dates of purchases so I can prove it wasen't me using them? It may be MDW did a BK and erased her name off and they had to name me.

I had assumed a lot of the debit on a few personal cards as per a divorce agreement. She was supposed to take care of the home. My layer never did what i had asked and pulled a CR to see that all accounts were straight. Now i'm gonna pay again.

 

Any help much apprecieated.

[cv91915]

What kind of a job are you seeking where prospective employers are pulling your credit?

 

I'm not equipped to help with the individual negative items on your report (many, many others here are, though), but you should tackle the negative items one or two at a time until you get some momentum. If you post some particulars (nothing personally-identifiable, of course) about the one or two items that are most concerning, you'll get follow-up questions and targeted help for your situation.

 

I would advise even before doing that to do plenty of reading in the newbies section. The odds that you are facing something so unique that it's never been written about is almost zero.

 

Good luck, and happy reading and posting.

Edited February 21, 2014 by cv91915

[PaulieFL]

Hi,

Been reading on these forums for a few months now. BTW, Great stuff. Hopeing for a little advice here.

I have 4 negatives on my account that is killing me. I think my CR is keeping me from getting a job.

Went through hard times in crash and lost house and then more money troubles lead to divorce.

Ran CR and later found that not all CC's had been closed and had beeen run up and not paid.

 

Wife did BK and left me with foreclosure, 10k line of credit and a 10k CC and anoher small card.

I had pulled my CR 2 years ago and all of these were being paid but all late 180+

 

Now I see these accounts 2 years later as forclousure joint but all the other accounts had been changed to individual owner status. I don't remember getting this line of credit and even if I did i don't think I could get a loan off my house by myself, It would have to be joint there.

 

Question is what can be done here. Sure would like to make it go away. Already have Calvary Portfilo calling 2-3 times a day. Is therre a way that I can get the CC to find out dates of purchases so I can prove it wasen't me using them? It may be MDW did a BK and erased her name off and they had to name me.

I had assumed a lot of the debit on a few personal cards as per a divorce agreement. She was supposed to take care of the home. My layer never did what i had asked and pulled a CR to see that all accounts were straight. Now i'm gonna pay again.

 

Any help much apprecieated.

 

 

 

Thank you for the response

I will need to do a bit more reading one concern is Calvary trying to collect on an acct that I was not aware of. They they are trying to collect on a 10.5k CC BOA / FIA acct on my CR. They have the amount correct but the original acct # is incorect.

Can anyone tell me if BOA and FIA could have diffrent account numbers? Don't want to create waves with BOA if I don't have to.

Stumped