My exhusband filed for Ch 13 bankruptcy. He had a credit card account with USAA before we were married and added me about a year after we were married. This account went into his bankruptcy after our divorce and USAA would not remove it from my credit report. They have reported it as a chargeoff for the last 7 years. My exhusbands bankruptcy was recently discharged; I received a letter from his bankruptcy attorney letting me know this debt was discharged and USAA is still reporting as a charge off on my credit file. Any advice on how to change this? I have wanted to repurchase a home for 5 years and cant because of this...thanks.
A couple of other relevant factors are:
1. Were you an authorized user or a joint owner on the account?
2. Does the USAA Terms & Agreement hold authorized users accountable directly for their individual use of the card?