I need some direction please... divorce has destroyed my credit.
Current issue I am dealing with:
Pulled my 3 CR and noticed 2 Union Bank of California checking accounts listed as follows:
EX
Acct: XXXXXXXX (is listed partially)
Status: Account charged off. $776 written off. $437 past due as of Feb 2008
Status Details: on record until June 2012
Date Opened: 06/1987
Reprted Since: 10/2005
Date of Status 11/2005
Last Reported 02/2008
Type: Revolving (this was a checking acct?)
Terms: NA
Monthly Payment $0
Responsibility: Joint with (ex spouse)
Credit Limit/Original Amount: 776
High Balance: 859
Recent Balance 776 as of 02/2008
Recent Payment $0
Acct History:
Charge Off as of Nov 2006 to Feb 2008, Oct 2005 to Sep 2006
**Second Acct listed similarly just different amounts so I will save space on that
EQ
Acct Number: XXXXX (partially listed)
Acct Owner: Shared but otherwise undesignated
Type of Acct: Line of Credit (huh?)
Date Opened: 06/1987
Date Reported: 01/2008
Scheduled payment: $0
DOFD: N/A
Charge off Amount: $0
High Credit: $776
Balance: $776
Amt Past Due: $437
DOLA: 06/2005
Type of Loan: Debit Card (used when backed by a line of credit or overdraft protection)
**Again, both accounts listed but same way so I will spare the details
TU
**listed under Accounts in Good Standing
Account # XXXXX (listed in full)
Loan type: Debit Card
Balance (blank)
Date Updated: 12/2007
High Balance: $776
Pay Status: Unrated
Account Type: Open Account
Responsibility: Participant on Account
Date Opened: 06/1987
Date Closed: 10/2005
**Other acct also listed same way***
So, the OC - Union Bank reported the debt differently to all 3 Bureaus (shocking)
History - When we filed for divorce 11/2004, I went into the branch to remove myself from all accounts we shared (total of 3) 1 account was closed... My ex being primary on these 2 accounts had to close the other 2 ... apparently this was not convenient for him so he did not (unbeknownst to me) I never received a statement /communication from Union Bank since that time and he told me I was no longer on his accounts so I naively believed that to be the case. I stopped all activity w/these accts.
Jump forward... I pull my CR this month and immediately call the Bank on 02/22 to find out why this reported on my credit reports.
Nice guy tells me - sorry the accounts were not closed and account belonged to both of you.
Me- I did not know they were open and never used them since.
Nice guy - well we don't have the records so I can not investigate that now... but you were co signer/owner anyway so you are responsible.
Me- I did not receive 1 statement/correspondence from Union Bank so I did not know about my ex causing the acct to go negative status. Even though I was not responsible I would have taken care of it for him to keep it from my reports.
Nice guy - We only send info to Primary Account Holder.
Me- May I speak to a Supervisor? I am willing to resolve this if it will be removed from my reports, though this is not my debt. Please send me a statement of this debt please.
Nice guy- We don't delete entries from Credit Agencies, but I will have a Supv call you back.
Today... I have yet to receive anything in the mail and of course a Supervisor never called.
What do I do??? I don't want them to try to sue me (I never said I wouldn't pay) Is a PFD going to pi$$ them off? Do large banks not do PFD's? Should I do a PFD similar to or in conjunction with a GW explaining how my ex filed for bankruptcy dumping tons of debt including a repo of his veh on me and how I am trying to rectify the damage he caused? I have to take action in some way now that they know I recognize the debt.
SORRY SO LONG!!!
Starting Score: 469