topic Address change on my credit report that isn't mine in General Credit Topics

Address change on my credit report that isn't mine

Anonymous — Mon, 15 Dec 2014 15:11:24 GMT

I have recently gotten divorced. My ex and I share a credit card that I am the primary borrower on. The divorce decree states he is responsible for the balance. I just got a notice that there was an address change on my credit report and my score dropped a few points because of it. It is my ex's new address. Do I dispute this change? I have called the credit card company and have asked them to take me off and they won't do it since I am the primary. My only choice is to wait for the ex to pay off the balance and close the card.

Re: Address change on my credit report that isn't mine

Anonymous — Mon, 15 Dec 2014 15:14:22 GMT

@Anonymous wrote:
I have recently gotten divorced. My ex and I share a credit card that I am the primary borrower on. The divorce decree states he is responsible for the balance. I just got a notice that there was an address change on my credit report and my score dropped a few points because of it. It is my ex's new address. Do I dispute this change? I have called the credit card company and have asked them to take me off and they won't do it since I am the primary. My only choice is to wait for the ex to pay off the balance and close the card.

Yes dispute the address. As for the card I'd contact them and set it up to not allow any further charges. Ex wives have known the be vindictive from time to time

Re: Address change on my credit report that isn't mine

TheGardner — Wed, 17 Dec 2014 01:29:45 GMT

@Anonymous wrote:
@Anonymous wrote:
I have recently gotten divorced. My ex and I share a credit card that I am the primary borrower on. The divorce decree states he is responsible for the balance. I just got a notice that there was an address change on my credit report and my score dropped a few points because of it. It is my ex's new address. Do I dispute this change? I have called the credit card company and have asked them to take me off and they won't do it since I am the primary. My only choice is to wait for the ex to pay off the balance and close the card.
Yes dispute the address. As for the card I'd contact them and set it up to not allow any further charges. Ex wives have known the be vindictive from time to time

+1 you can't be removed until it's paid off. But you can close the account or freeze further spending on it.

If I were you I would make sure it's paid every month don't trust the ex will just do the right thing. I would also close the account. This will hurt your score but will insure no further debit.

If you have other accounts this being closed won't damage your standing too much as UTL % will be determined by overall limits. But this account will show maxed hurting you some.