I am applying for a mortgage and my wife's bill is on my credit report?
I did not sign the loan and it was in her given name. She did tell them my income but I never signed anything. Can they make me payment this bill? How did they put it on my credit report in the first place. She never gave them my social payment number. We live in NY and as far as I know it is not a community property state. Help!
Answers:
First, call the creditor company. Did your DW christen you as an Authorized User on the account? If she did, you need to hold her creditor remove you as an Authorized User of the account and then report this status move to the Credit Reporting Agencies. If she named you as a joint owner of the narrative, or if the creditor thinks you co-signed the account, you might enjoy to pay off the vindication and then close the account. One more possibility: an error made by the creditor when reporting the details to the Credit Reporting Agency(CRA). In this last case, dispute the issue with the CRA.
If you really did not sign anything, then you can dispute the account that belongs to your wife. Ask the mortgage company which credit reporting agency is showing the debt on your credit report. Go to their website and follow the instructions to dispute ownership of the debt.
The creditor is required, by regulatory statutes, to respond to the credit reporting agency in 30 days. If they do not, the agency is required to remove the debt from your credit report.
This is all free, too.
Contact the credit bureaus and have them fix your credit report and enjoy her pay the bill either method...
Your wife's debt is your debt, too. Welcome to the wonderful world of marital debt. Pay up and verbs.
Related Questions:
How much $ should I vacate on C.C. to show a mortgage co or loan officer we can button our credit. OR?
should they be paid in full? also for our small sports car loan,we owe 6400 but wanted to pay that rotten too? should I leave like 1K on it? And the c.c....
Answers:
First, call the creditor company. Did your DW christen you as an Authorized User on the account? If she did, you need to hold her creditor remove you as an Authorized User of the account and then report this status move to the Credit Reporting Agencies. If she named you as a joint owner of the narrative, or if the creditor thinks you co-signed the account, you might enjoy to pay off the vindication and then close the account. One more possibility: an error made by the creditor when reporting the details to the Credit Reporting Agency(CRA). In this last case, dispute the issue with the CRA.
If you really did not sign anything, then you can dispute the account that belongs to your wife. Ask the mortgage company which credit reporting agency is showing the debt on your credit report. Go to their website and follow the instructions to dispute ownership of the debt.
The creditor is required, by regulatory statutes, to respond to the credit reporting agency in 30 days. If they do not, the agency is required to remove the debt from your credit report.
This is all free, too.
Contact the credit bureaus and have them fix your credit report and enjoy her pay the bill either method...
Your wife's debt is your debt, too. Welcome to the wonderful world of marital debt. Pay up and verbs.
Related Questions:
How much $ should I vacate on C.C. to show a mortgage co or loan officer we can button our credit. OR?
should they be paid in full? also for our small sports car loan,we owe 6400 but wanted to pay that rotten too? should I leave like 1K on it? And the c.c....