I hope it drops off. When we divorced I was in California and he was in Texas who knows what he did. Sad part is we didn't own any assets together, all our bills were in his name so I have no idea how any judge would've granted that BK when he had no proof of joint assets. We were together for three weeks. I guess I got the short end of the stick on that one. I'm just scared what the report will come back as. Clearly they had my SS# or it wouldn't have even shown up on my CR. Only time will tell. Do you know what type of questions the CB will ask of the court?
Hopefully it goes well
Starting Score: 591I talked to an attorney a little bit ago, he said that even if we were married for a minute that my ex-husband didn't need my consent. Nice law right, however he informed me that since we had no assets as my ex-husband had everything was in his name not mine that I need to get a copy of the judgment see if my signature is on it, which it is not, then I can submit that into the CB to have it removed. How odd the attorney stated that after two or three years a BK doesn't affect your credit score or your ability to obtain a line of credit or loans. I personally can say he is wrong. All this time I couldn't get any type of credit not even a cell phone, it was because of the BK. I even applied for a mortgage loan and was denied because of it, I applied for student loan consolidation denied yesterday because of it. I'm relieved that I pulled my credit report because now I have found out what is really going on. I will try to obtain the judgment and then send it into the CB the lawyer said if they won't remove it then they would step in and request that they do, because we had nothing jointly together. We had an apartment there was no reason to file for BK he did that out of spite.
Now that 3rd party you mentioned I can see they won't fully check into the BK in terms to see if I actually filed and if my signature was on any documentation. This tells me that the BK is going to remain on my CB until I move forward with obtaining the file myself and push they remove it by proving I did not in fact file. Wish me luck another bump in the road but I will overcome this too. Remain positive until the end. We all can do this no matter how bad it looks.
Monie
They did mention it I applied last week. I found it on my credit a few days prior and thought I would take take a chance for a home anyways since it states its 11/2004.
The loan processor informed me I would have to wait to get the home until the BK is off. I explained and it did no good. But I still have a few things on my credit to fix nonetheless. I have the time. I am just not happy about the BK and the BK played a huge factor with regards to obtaining a mortgage loan.
Monie
I did divorce that man in 2004 the pacer emailed me back and said they would track it down for me and get back to me. The sad part of it is, due to me not checking my CR it's nearing the fall off date in Nov 2014, I could've done something about this a long time ago. I'm glad I found it, if I ever go through another divorce I will show up for court as it can hurt you in the long run at the end. If I can I am going to try to sue him, I'm not really the kind to do such a thing, but in this case I think it is well deserved.
Monie
