New Visitor
Posts: 1
Registered: ‎02-05-2011

Ex spouse bankruptcy reporting

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.

Valued Contributor
Posts: 2,697
Registered: ‎08-13-2009

Re: Ex spouse bankruptcy reporting

When did USAA charge off the card?

When did your x file for BK?

Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009

Re: Ex spouse bankruptcy reporting

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?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+