11-13-2012 11:10 AM
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.
11-13-2012 11:22 AM
Is the card a "joint" account, or are you only AU?
11-13-2012 11:25 AM
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.
11-13-2012 11:40 AM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.