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Will my ex ever be removed from my CR?

Established Member

Will my ex ever be removed from my CR?

Hi, 

I apologize in advance if this is the wrong board to post on. A decade ago, I made the mistake of signing up for a mortgage with my now-ex boyfriend. Stupid decision, I know. The loan has been closed for 4 years now and I have not seen or talked to that ex in 5 years. Now, every time I go on annualcreditreport dot com, or any other credit site that requires I answer multiple choice Security/Identity questions about my credit history and past, I get asked about my ex's family members, etc. Luckily, I have answered the questions correctly so far, but its a annoyance to have to be reminded of someone I do not want anything to do with. Their name is also listed on my credit report as "Spouse/Co-borrower". I hate it! 

 

The mortgage loan I had with them went into foreclosure, and is due to fall off my credit report in a few more years, will my ex fall off my CR along with the foreclosure?

11/2018
FICO 8 Scores:
EQ: 718, TU: 707, EX: 710
FICO Mortgage Scores:
709, 685, 700
GOAL: 760 across the board by 2022 to prepare for a mortgage.
3 REPLIES
Established Contributor

Re: Will my ex ever be removed from my CR?

The security questions about people are from Lexis Nexis. They are not legally allowed to supply such questions because it gives out personal information about people who are not you. Unfortunately the system is automated so it slips by.

 

I think there is a guide somewhere for getting them removed from LN, but I'm not sure about the details.

 

 

Message 2 of 4
Regular Contributor

Re: Will my ex ever be removed from my CR?

"will my ex fall off my CR along with the foreclosure?" this entry should fall off altogether after 7 years..







"Give me liberty, or give me credit!" -PlasticDad

Message 3 of 4
Valued Contributor

Re: Will my ex ever be removed from my CR?

It may takes many years for all the pieces to go away.  The first Mrs Backwoods and I went our separate ways 25 years ago and bits   and pieces seem to surface from time to time and I know everything was closed and paid off then. She married twice since then I can now get a glimpse into the other 2 ex's  credit history 

Message 4 of 4