Relative opened a credit card without my knowledge, it messed up my credit

A relative of mine opened an account without my knowledge and it messed up my credit and also a mortgage loan with late payments was my them also. How do I get the credit bureau to take this off my report.
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a relative?
a husband or sibling is about all that get away with this stuff
ask for your signature. ask the creditor. threaten to put in a complaint to your state attorney general

and how you could get a mortgage without your knowledge just doesnt sound right.
i need more information.
but the same would go for the mortgage.

on the surface this sounds fishy
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The mortgage is in my name but they live there and were suppose to pay the payments but due to illness have not been able to pay it on time a few times. The credit card account was under my name and social #. I just need to up my credit rating as my husband passed away and I need to move but my loan rate is 619 or so. I don't want to prosecute .I just want some way to get my credit repaired.
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under your name how
on the credit card first
the home loan second

did you sign for either
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I did not sign for the credit card and by the time I found out it had a high balance in it. Yes the loan is in my name but they make the payments and live there. It has been late a few times but is currently paid up and will stay that way. The credit card debt I am paying but I just want that to be on my credit report that I am not responsible
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I will have to say
even prosecution will not repair your credit in most cases. But if you plan to get monies back off a credit card deal, one always has to file a police report and go to court. period

as far as the house goes. if you let someone move into a home in your name with your loan on it expecting them to pay it and they did not then you are screwed. There is no law or inference that says just because you were not living somewhere that you had a loan that you are not responsible for the loan. You should have kept up with the payments yourself and made them if they were going to be late, and kicked theyre butts out if they didnt pay. doesnt matter if they were sick or even if they died. all that matters is if you made payments on time
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on the credit card, if you file a police report and go back on the card and whoever signed your name.
then
you can get that one off your credit in most cases. it will take work

on the house
if
you can catch these up and get the late payments behind more than 24 months behind you, then your score will go up.
i would suggest you selling the house NOW and eliminate further possible complications and, ensure you can get the late payments behind you.
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softer landing help your credit score information.
plus
you need 3 open good lines of reported credit that is at least 12 months old. I do not think this is your problem but thought I would mention it to make sure.
plus
you need to make sure all of your reported credit shows less than 80 balance owed to high credit limit.
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i know the prosectution sounds harsh. But what is worse, you taking the fall for someoneleses misdeeds or them.

another thing
if you are wishing to move or buy another house. Your debt to income ratio has to be less than 45% so you almost have to sell that other house in many cases unless your income is super duper
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I hope I am not being charged for these e-mails. The house payment has only been behind 2 times out of a 5 year period. It has been paid on time for the last 15 months. If I could get a document signed that I was not aware of the credit card fraud ( which by the easy I have on my credit report) do you think that will work.
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i dont charge anyone for anything ever

well you are about 9 months from the house payment not hurting your score with good reported credit the last 24 months. 15 months is behind you on your house now and that counts as one good line of credit. So your score will jump 20 or 30 points in 9 months more than likely. The only bad thing about a house loan or car loan is the late payments will show on your report until the day you pay it off in full and 7 years after that. it doesnt hurt you on your score if the lates are old. BUT they will show as one time in the life of the loan you were late. thats really sucks. It happend to me on a toyota car loan. Thats why I say sell the da.. house or refi the thing or something to stop this from happening

the only way to get the credit card off your report or the lates on the credit card off your report is to
and i have tried things of this sort myself plenty before
you have to show the error was on the creditors side. PERIOD.
You can do that if you can show or prove you did not sign nor ever meant to sign and they took an illegal signature for a relative? I feel sorry for the relative but more for you. If this relative means that much to you then just take the heat. but you cannot have it both ways i am afraid.
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the best thing for now
get your balances on all your open accounts to less tha 80 percent 50 if you are great
if you have a few of these, then your score will go up right now. promise

Cosign on loan will affect credit report on that account only.

i hope this is for real, i just have a simple question. i have a co-signer for my car loan. was wondering if any late payments, etc. (bankruptcy) on my end would show up on their credit report and effect the or credit score/ thanks
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only on the account you co sign with
not the total credit report

Divorce threatens my home. How to stop the madness

Multiple debt collection agencies, and most recently, a law firm are calling me looking for my husband. Our divorce is still pending. We have been separated for over four years. He is being sued for credit card debt and there is a court date scheduled in May 2008. He is ignoring it. The law firm is going after the house which is in both of our names. I put in 100% of the down payment and I paid every mortgage payment by myself. The man is a bum (hence, the divorce), never works, and lives off the alimony I am forced to pay him and uses our two daughters to collect child support from me.

He doesn't care that there will be a lien on the house and that this will screw up my credit and force me to pay off his debts before I can refinance or sell the house. I know he is purposely racking up credit card debt and not paying it just to make more trouble for me and bring me down financially. I already have over $30,000 in credit card debt myself because of attorney fees. I have no late payments or defaults.I need to see a copy of my husband's credit report to know how many lines of credit he has open, what he owes, and how late his payments are.

Since I'm not a business, an apartment manager, or a credit agency... can I ask my divorce attorney to ask the judge to issue a court order for my husband to produce a copy of his credit report? Aren't I entitled to full financial disclosure? I think this would also show the judge that he is unstable, financially irresponsible, and unable to keep a job to provide for his kids.

A man like this has no business having his kids living with him 50% of the time. What can I do? If I can get him to agree to transfer the title to my name alone before May 2008, would that protect me and my credit rating? What will happen to my house and my credit after May 2008 when he loses by default by not showing up to court?

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your report will show
j for joint
s for co sign
or
i for individual

you don't need his report

i would put a stop on anything thats shows a
s or j

ask the court for an order and
call the creditors fast.

I would sell or refi the house NOW
and any cars or installment loans that have collateral.

if not
you could deal with this for years

debt collection looking for my ex husband who does not pay

Multiple debt collection agencies, and most recently, a law firm are calling me looking for my husband. Our divorce is still pending. We have been separated for over four years. He is being sued for credit card debt and there is a court date scheduled in May 2008. He is ignoring it. The law firm is going after the house which is in both of our names. I put in 100% of the down payment and I paid every mortgage payment by myself. The man is a bum (hence, the divorce), never works, and lives off the alimony I am forced to pay him and uses our two daughters to collect child support from me.
He doesn't care that there will be a lien on the house and that this will screw up my credit and force me to pay off his debts before I can refinance or sell the house. I know he is purposely racking up credit card debt and not paying it just to make more trouble for me and bring me down financially. I already have over $30,000 in credit card debt myself because of attorney fees. I have no late payments or defaults.I need to see a copy of my husband's credit report to know how many lines of credit he has open, what he owes, and how late his payments are.
Since I'm not a business, an apartment manager, or a credit agency... can I ask my divorce attorney to ask the judge to issue a court order for my husband to produce a copy of his credit report? Aren't I entitled to full financial disclosure? I think this would also show the judge that he is unstable, financially irresponsible, and unable to keep a job to provide for his kids.
A man like this has no business having his kids living with him 50% of the time. What can I do? If I can get him to agree to transfer the title to my name alone before May 2008, would that protect me and my credit rating? What will happen to my house and my credit after May 2008 when he loses by default by not showing up to court?
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your report will show
j for joint
s for co sign
or
i for individual

you don't need his report

i would put a stop on anything thats shows a
s or j

ask the court for an order and
call the creditors fast.

I would sell or refi the house NOW
and any cars or installment loans that have collateral.

if not
you could deal with this for years

Fiance cosigned with mother on a mobile home. Mother wants out

My Fiancé has co-sign for her Mom about 6 years ago. At that time.. the mom was living with her husband and making payments as normal. Now they have a Mobile home and the mom is now single again. it seems that the lot fees from where the House is located are more increasing more and more.

The mom wants to move the house to a mobile park in Texas. and perhaps try to sell it later.. but she has also talked in the past about just walking away from the entire mess.. ie: filing bankruptcy.

What do you see as a favorable outcome with the issue that might effect my Fiancé who is about to graduate from college at the end of the year.
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any repo will kill her score for 2 - 7 years I would do everything I could to get the thing sold and your fiance's name off the loan.

of course finances and situation play into this.
but a 13 or 7 would show on your fiances report just like her mother
and she could be liable in court and possibly face a judgment in the future.
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The problem is that it is a Mobile home and there are about 5 in the same block that are still not yet sold.. Prices dropped.. Landscape upgrade.. you name it.. they have done that..

I am thinking that her mom is going to drag herself down.. and get my fiancé’s signature on the house move.. and see what happens later..
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you got it right

Sons verizon wireless charge off on my credit. Disputed this collection.

I have a problem, I have done almost everything I am suppose to
Pulled credit reports
Disputed for months, sent certified everything, kept copies kept detailed records, now I feel I need to send letters of dept validation to Verizon (1999) I have already disputed this with the 3 credit ber. of course they came back valid, these are my sons acct (they merdge the two accts SR and JR, when I ? this they just put a fraud alert, my ? is do I send Dept validation letters to the collection agency, or to the credit beru. or both ? thanks in advance. this is like a part time job
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send validation letters to creditors (verizon)
they have to confirm the information is correct and legal
Some how they must have you ss #
your son might have given it to them? I do not know
validation should clear it up
if they just verify who you are and your address
send the follow up.
all certified mail

Divorce with bad credit.

Thanks so much for the free advice. Thanks for offering us some hope. I am planning on marrying someone I've been dating for some time now. He's a really great guy, however he went through a divorce and the whole nine yards, his credit is terrible. Mine is kinda decent. Will his credit be tagged onto mine, or affect mine in anyway once we get married?
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if you cosign for anything or get joint awnership on anything that already has an installment loan.

Ex husband has old bad credit and i co signed. 7

I pulled my credit report and there is stuff on there that was closed for at lest 12 years. the mortgage that I had with my ex-husband is on there from 1997. the house hasn't been mine for the last 12 years and he sold it about 5 years ago. I singed the house over to him in the annulment. how do I get really old stuff off of my credit report ? it thought that things came off on there own. What can I do ?
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The house with your name and your ex-husband's name on it was sold 5 yrs ago not 7 years and thats why it is still on your credit report.

Get new current rated credit on your credit report.

Forget that ex-husband and how he screwed your credit. 5 year old stuff does not affect your score much if you have good credit for the past 2 years.

Do you have credit from today back 2 years on your report that says you pay good.
If not get new good credit started here i like the Total Visa middle of page.
these report to bureaus. Takes 2 years to clear most all bad credit.

Dispute validate and negotiate anything that is old and incorrect.
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I don't under stand your response ????

how do I get all of this old closed stuff from 1997 off of my credit report ??
there is no other guy on my report, just he mortgage company that I had back in 1997
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You need new current credit more than you need to get rid of old bad credit.
That is my response.
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Cosignor, Bankruptcy, Car loan

I had a joint Mazda car loan with a guy in 1998. He has filed bankruptcy on the car and is out of the bankruptcy. Is there a way for me to have this removed based on his bankruptcy if not what should I do in this case? Keep in mind he is not cooperating with me to help.
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If you cosigned it will show on your account
if it is from 98 it should be about off and you have new good credit anyway.
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He co-signed for me. Is there a route you would suggest I take to handle this.
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Use my dispute form
say it is not yours
http://www.oskie.com/credit-dispute.htm