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Think we will get denied

Established Member

Think we will get denied

So I had gotten my scores up to about 650 in the last 6 months... paid off a bunch of debt etc.   Well I get a myfico notice that my score has fallen to 564 because my ex-wife missed a payment on a cc that I am still listed on.  Of course we are now in the process of looking for a car... and i'm afraid we will be denied when we go to apply for the credit.  So annoyed.


Starting Score: 596
Current Score: 646
Goal Score: 720+


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Message 1 of 7
6 REPLIES
Established Contributor

Re: Think we will get denied

Is the card a "joint" account, or are you only AU?


Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


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Message 2 of 7
Established Member

Re: Think we will get denied

It is a joint account that she will not close.  I also show up on a discover card that has 6k on it that she has.   So annoying.


Starting Score: 596
Current Score: 646
Goal Score: 720+


Take the FICO Fitness Challenge

Message 3 of 7
Established Contributor

Re: Think we will get denied

Contact the credit card company, try to GW the late payment.  You need to get that card closed because you are going to be liable for it as long as it remains open, and until it is paid off.  Otherwise, to protect your credit, you will have to make certain that payments on the account are kept up to date until it is paid and closed, or forever....whichever comes first.


Starting Score: 500's
Current Score: 773 EQ(DCU), 757 TU(Barclay), 788 EX(Credit.com)
Goal Score:760 X 3


Take the myFICO Fitness Challenge

Message 4 of 7
Highlighted
Established Contributor

Re: Think we will get denied

+1

Message 5 of 7
Frequent Contributor

Re: Think we will get denied

Find a new wife.

NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Message 6 of 7
Contributor

Re: Think we will get denied

LoL @Dabrian



Message 7 of 7