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Will my ex ever be removed from my CR?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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?

FICO Mortgage Scores: 732, 672, 704

GOAL: 760 across the board by 2022 to prepare for a mortgage.
4 REPLIES 4
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 5
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 5
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 5
Regular Contributor

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

I feel your pain.  I foreclosed on a house we both bought and stupidly cosigned on a loan.  Both wrecked havoc on my credit dropping my score over 200 points.  I lost everything literally and had to move back in with my dad.

Through the help of this group I was able to get through it and just had to wait the 7 years.  It sucked a lot, but I made it through and it made me a stronger financially sound person.

Dating forever changed for me after this. I always brought up finances and debts.  Anyone that didn't care was someone I didn't want to associate with.  I realize everyone makes mistakes and over the years I have helped over a dozen people fix their credit and get back on track.

Message 5 of 5