My x went into his bank and applied for a $5000 line of credit and a $5000 credit card. He made it a "joint" application because he had already been turned down by his bank when he applied as a single person. The bank told him he would only be approved with a good credit co-signer.
I was unaware that this happened until I went to get a mortgage. The mortgage company told me to pay off the $10,000 in debt and they would consider me for a loan.
Through a lot of hard work, the x's bank finally wrote a letter saying that the debt was not mine. The mortgage company will NOT give me a copy of the letter.
I have been fighting with the bank now for more than 2 years trying to get my name off the debt. I have paid off the credit card several times and FINALLY got them to cancel the card.
The line of credit is attached to his bank account. I can not get that one paid off fast enough for it to have a zero balance and for them to close it. Nor can I get them to remove my name from it.
From the start, I have NOT had access to either the credit card or the line of credit. The x finally admitted that yes, he opened them using my credit because he needed them. The bank finally produced a copy of the application -- my signature is NOT on the form.
How do I get them to release me legally from this debt??? They have refused to do so, despite many phone calls, letters, and branch visits.
