CC account closed by credit grantor

[TryN2Rebuild]

So I was looking at my CR and noticed I had an account that was closed by credit grantor. After looking into it I found out it was an account that I was a joint card holder with my ex-wife. She filed BK and it is on my CR as closed by grantor and the way I found out is I applied for the card and they said I have an account that was charged off or included in a BK. They are not trying to collect from me but it also wont come off my CR of a long time. Should I try to just pay for removal? Any help would be great.

Thanks

[Tons_of_Debt]

I'd definitely try a PFD. Make sure you send in writing and receive a response in writing from the OC. Good luck!

[Anonymous]

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@ewingerter wrote:

So I was looking at my CR and noticed I had an account that was closed by credit grantor. After looking into it I found out it was an account that I was a joint card holder with my ex-wife. She filed BK and it is on my CR as closed by grantor and the way I found out is I applied for the card and they said I have an account that was charged off or included in a BK. They are not trying to collect from me but it also wont come off my CR of a long time. Should I try to just pay for removal? Any help would be great.

Thanks

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Could you give us some more details regarding this account (the information from the CBR) and the circumstances under which it was opened?

[RobertEG]

I would definately NOT send any payment offers until it is established that you still have a legal obligation for debt on this account.

How did your divorce decree dispose of accountability for this account?  It must have stipulated your, or her, obligation for the debt.

As a joint creditor, you are responsible unless the court disposed of your obligation in their decree.

Start with your divorce decree before you do anything.

Message Edited by RobertEG on 10-14-2009 12:49 AM