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Are there any late payments or collections on your credit reports? A FICO of 580 seems really low if you do not have any derogatories reporting on your credit files.
A component of your decree should include a list of all debts and the agreement as to who is responsible for what... at least mine did but that was many many moons ago.
With this in hand you could speak with the creditor in each case that you expect to have your name removed from as your ex is responsible and ask them to update the CRA to remove this trade line for you.
The other account we share is a jewelry store account, I’m needing to take myself off that account. Are you an AU on this card? If so, you can call to have yourself removed. I also have a dentist bill of $200, urgent care $95, a 2 year old hospital bill of $1200- that I forced them to allow me to pay $50 a month, Have you tried filling out Indigency papers? You can at anytime, if qualified they can write you off. and a tempurpedic bed to pay off which is $900 something.Again are you an AU for this acct.?
- $468 a month for a stupid Jetta. okay not laughing at you, just with you. "stupid Jetta" I feel your pain. Good luck on everything!!!!!
^^^ will they do this though? If the application was a joint application for credit, I’m not sure that they’ll separate her from the responsibility of paying it back, and if he defaults on “his” debts, she may well be held responsible...
If it was originally a joint account then perhaps not though my ex was able to get herself removed from the mortgage using same but that again was long time ago.
In my situation I took all the debt, every last penny, and agreed to pay support for 2 years, but I got full custody of the kids so it was worth it though very painful for awhile financially.
I’m wanting to buy/lease a new car by this time next year with a score of at least 720 so I can wash my hands clean of that massive car payment- $468 a month for a stupid Jetta.
buying a new car only puts you in more debt. get your head above water and pay it off and be done with car payments.