Offers after credit bomb?

[Anonymous]

This is for my understanding here. 

My Ex husband took off during the divorce when he realized he was going to pay child support. House was in his name and foreclosure. Credit cards went unpaid, car was repossessed, so one. He literally dropped everything and ran out of the country. I took over the house but obviously left everything else and I still get collecting notices in the mail for him. Post office won't stop delivering them and I have given up fighting and taking them back, filling reports to stop them,  etc.

All of a sudden he is getting credit offers, cell phone offers, etc. It has been 3 years since he took off. 12 months since I took over the house. His scores were around 400. 

How is he getting offers? Is this a sign he is back here somewhere and working to rebuild?

[Anonymous]

Odd situation, sounds like a headache.

If he's receiving targeted offers that simply means that his profile matches whatever that lender feels works for them.  They must see some sort of profit potential.  It sounds backwards but sometimes people with far "worse" credit files receive more targeted offers than those with great ones.  I have a very strong credit file and barely receive any offers, but back when I was rebuilding my credit several years ago I received tons of them.

[Anonymous]

It was a headache. Now it is just a lot of ignoring since it has nothing to do with me and telling collection agencies who call me to get to him I have no idea where he is, how to reach him and don't care to find him. 

And thank you. I was wondering if it was a sign. One, I don't want to ever run into him and feel safer knowing he is not in the country. But also if I am going to run that risk and have to be on high alert at all times, I want the back child support. 

Seems so strange that they would send so many offers to someone who is clearly a money risk and cares very little for anything other than what he wants, but glad to have a bit of clarification.😊

[Brian_Earl_Spilner]

You also have to realize that time is a huge factor for credit. As the derogatories get older, they'll hurt less, and the profile will get better.

[Anonymous]

I figured it would take at least 7 years before aging off would improve the profile. 

Came home to a Mastercard offer this time. Sheesh. 

---

@Brian_Earl_Spilner wrote:

You also have to realize that time is a huge factor for credit. As the derogatories get older, they'll hurt less, and the profile will get better.

---

[Iusedtolurk]

---

@Anonymous wrote:

This is for my understanding here. 

My Ex husband took off during the divorce when he realized he was going to pay child support. House was in his name and foreclosure. Credit cards went unpaid, car was repossessed, so one. He literally dropped everything and ran out of the country. I took over the house but obviously left everything else and I still get collecting notices in the mail for him. Post office won't stop delivering them and I have given up fighting and taking them back, filling reports to stop them,  etc.

All of a sudden he is getting credit offers, cell phone offers, etc. It has been 3 years since he took off. 12 months since I took over the house. His scores were around 400. 

How is he getting offers? Is this a sign he is back here somewhere and working to rebuild?

---

IMHO he's probably still out the country doing whatever he is doing and the fact all the offers are coming to your address old data that meets credit issuers requirements is being used.  If he was in the country rebuilding then the offers would be going to him at his current address.

That should ease your mind some.

[Anonymous]

Thank you. 

I am hoping the same, but he intentionally put the address back to this house when he was still living in the states in an attempt to avoid everything going on and be hidden. He also has a warrant for failure to follow court orders and it made the police think he lived here vs where he was at the time 2 hrs away. So not sure he would update that honestly with the postal and only get what he specifically wants. 

[Conceptual23]

---

@Brian_Earl_Spilner wrote:

You also have to realize that time is a huge factor for credit. As the derogatories get older, they'll hurt less, and the profile will get better.

---

I agree 100%

[Anonymous]

@Anonymous I apologize in advance for my question, but did you refinance your home to your name only? I'm just worried that if you took up payments, he could still have a claim.

[Anonymous]

Super late reply, but it is 100% in my name now. Starting to refinance to drop the pmi I was made to Inherit and get cash out.