Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
Re: Ex Did a Terrible Thing... Is My Credit Ruined?

if you have anything written after the separatation that he was supposed to close the accounts it could work in your favor, but since you ignored the credit card section on your credit reports it would really look like you were very careless in which you were. One the accounts are brought to 0 you could have probably requested to remove yourself I know in a time of divorce or separation things are tough, but this is why people should NEVER do a joint or co-signed accounts even when married. 

 

Only time I think people should do anything joint is on a house if one person's income does not qualify, but personally I think people should use only one person's income in most cases because in case of bankruptcy in the future you can rely on the other spouse's credit to get a new loan =x


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758