Articles & News About Your Credit

I Cleaned My Credit Report In One Easy Step!

This is the story of Valerie's credit as a result of a bad marriage. She was madly in love with her husband Dave. They like any other couple had a financial problem when Dave lost his job. He later became depressed and started drinking and going to bars. He made the mistake of sleeping with another woman and Valerie divorced him. While they were married he racked up a lot of debt. Their credit cards were maxed out, and delinquent. The state that they lived in was Texas. A community property state, meaning his debt is her debt and vise versa. She started looking for a new place to live and was denied due to bad credit. She explained that she was going through a divorce, but the explanation fell on deaf ears. All of her credit cards were cancelled due to lack of payment. She was really in a bind and forced to seek help from her parents.

She sought help from a credit councilor. The council she received was dispute the debt with the credit agency. The councilor reasoned that the credit card applications were in Dave's name, and signed by Dave only. This might present a problem for the credit card issuing bank to dispute, because there is no signed signature on the agreements by Valerie. They have 30-days to investigate and respond. She went online and acquired all 3 of her credit reports Experian, Trans-union, and Equifax. Fortunately for her they reflected the same results. She used a highlighter and highlighted all of the stuff she wanted removed that Dave applied for. She made copies and sent the originals with a letter explaining that the negative stuff was not hers to all three-credit burials. She just made the letter simple without explaining a marriage or offering to much info.

In about 45 days she received all three replies and her credit report was cleaned. Dave on the other hand was unable to clean his credit so easily. I have learned by an expert that it can be a first come first serve type of situation with divorces. The one who cries "it's not mine first is the one who wins," and I can't believe that this is true. If it is then the rules need to change. I hope that this experience helps any who have found themselves victim to a bad marriage. The rule is if you did not sign any agreements then you are not responsible.

Writen By Don McKay Copyright 2006 http://www.liteloan.com

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