02-05-2011 09:46 PM
My exhusband filed for Ch 13 bankruptcy. He had a credit card account with USAA before we were married and added me about a year after we were married. This account went into his bankruptcy after our divorce and USAA would not remove it from my credit report. They have reported it as a chargeoff for the last 7 years. My exhusbands bankruptcy was recently discharged; I received a letter from his bankruptcy attorney letting me know this debt was discharged and USAA is still reporting as a charge off on my credit file. Any advice on how to change this? I have wanted to repurchase a home for 5 years and cant because of this...thanks.
02-15-2011 10:07 PM
A couple of other relevant factors are:
1. Were you an authorized user or a joint owner on the account?
2. Does the USAA Terms & Agreement hold authorized users accountable directly for their individual use of the card?
Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). 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.