Student Loans on Spouse Credit Report

[Anonymous]

Soooooo quick question. Has anyone had their loans reporting on their spouse’s credit report? This seems like a big no no. Should we simply dispute them? If anyone has had this issue how did you handle it? Thanks in advance for any responses.

[Anonymous]

Hello,
It would be helpful if you would provide more detail. Federal or private? What kind of loans? Are they in repayment? Etc.

[Anonymous]

Hi. They are all federal loans. Not in repayment at the moment. Incurred undergrad and grad before the marriage. Sub and Unsub consolidated Stafford loans.

[Anonymous]

There's no reason that I can tell that it should be on there. The only thing I think that could do it would be CA collection attempts and I think not even then. I suggest your spouse dispute it and maybe upload a copy of their file from National Student Loan Database (NSLDS) website if shows nothing there. If that doesn't work I would suggest a Consumer Financial Protection Bureau complaint (CFPB).
Just be aware that if the loan is in good standing, depending on what's on their credit report it could possibly cause a score drop.

[Anonymous]

Thanks for responding. I will definitely try to dispute first. I just couldn’t think of any reason for them to be there.