Credit Advice

Credit Advice

"bdowns"	12/30/2003 4:16:10 PM
Needs some advice on how to proceed with a couple of problems I am having with my credit reports. One problem is my wife filed bankruptcy several years ago without telling me. So now when I am ready to refinance the house the lender says I have a bankruptcy on my report. Some of the credit cards she included in the bankruptcy, she had me on as a authorize user. Now it shows up on my credit reports. Any advice on how to distance myself from her bankruptcy? My other problem is with a bank credit card. My mother had a credit card with a balance on it when she died. I took some of the money that was left in her estate and made a few payments on it. But didn't pay it off. Now the bank is saying that is my debt and I have to pay it off. I talk with a number of people at the bank who say they would fix it, take it off my credit report but it hasn't happen. And the last person I talked to said it is my debt and I am responsible for it. I have tried to get them to show me anything where I sign for it or even used it and they can't. I have even wrote the credit reporting agencies to have them investigate and they come back that I own them. But I did not sign up for this card and have not used it. Any advice on my next step to rid myself of this credit card error?



"Daniel R. Reitman"	1/2/2004 9:10:19 AM
On Tue, 30 Dec 2003 16:16:10 -0500, "bdowns" <bdowns@one.net> wrote: Needs some advice on how to proceed with a couple of problems I am having with my credit reports. One problem is my wife filed bankruptcy several years ago without telling me. So now when I am ready to refinance the house the lender says I have a bankruptcy on my report. Some of the credit cards she included in the bankruptcy, she had me on as a authorize user. Now it shows up on my credit reports. Any advice on how to distance myself from her bankruptcy? . . . . There was a class action about this in the federal court for South Carolina; I'd check with the court web site for updates. Daniel Reitman



info@speedingticketcentral.com (Wayne Patterson)	1/2/2004 9:10:35 AM
"One problem is my wife filed bankruptcy several years ago without telling me. Any advice on how to distance myself from her bankruptcy?" Assuming that you are still married I know of no way to get this off your credit report. There must be more to the story and I suggest that you consult an attorney if you are separated or divorced to see if anything can be done. "My other problem is with a bank credit card. My mother had a credit card with a balance on it when she died. I took some of the money that was left in her estate and made a few payments on it. But didn't pay it off. Now the bank is saying that is my debt and I have to pay it off." Did you probate your mother's estate? I am assuming that you did not. You need to go to the probate court and fill out the necesssary paperwork. Probate may not be required if it is a small estate and the clerks can help you with the forms. The executor of the estate is responsible for paying all of the bills from the money/property contained in the estate. If all of the estate assets were used to pay bills then you are no longer responsible. If you kept estate assets then you are still responsible for any remaining bills up to that value. If all of the money from the estate is gone then send the bank a certified letter along with the letter from the court where you were named executor stating that there are no more assets in the estate and that they are to remove the report from your individual credit file. If they do not then you can file suit against the bank in small claims court. For more information on how to properly dispute your credit report and sample letters: http://www.solidgoldhomebusiness.com/credit-report.html

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