Foreclosure on my credit but my ex was supposed to pay

I need some advice. I divorced almost 4 years ago. I had a home that was to be put on the market and sold. My ex and I were to split the profits. About $15,000. each. for over a year it was on the market, he rented it out. This year he let it go into foreclousres. He said I won't get a dime from him anymore. "He also owes back alimony". Anyway, This is on my credit report. According to a judge, he was to sell it. How can I get this off my report or will I be able to? I need help.
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Probably notbut you can add a comment about the divorce decree.
You can sue the man for the lost monies due to his stupidness and non conformation to court mandates, the credit disruption and future cost associated, and the alimony. I would place a comment on the foreclosed account.50 words or less with a court number

I am a divorcee of two years. Right after the divorce,

I am a divorcee of two years. Right after the divorce, my ex bought up a new car and other things on his own. He then filed for Bankrupty 3 or 4 four months later. I got a CC in my name(right before divorce) in my married name not maiden, because the divorce wasn't final. Now I go to change it over to my maiden name and a balance xfer, I get a letter stating that my Int rate is goin up to 24% The CC co said it was becuse of my EX's Bankruptcy. HOW DOES HIS BANKRUPTCY AFTER OUR DIVORCE AFFECT MY CREDIT?
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credit card companies have crazy rules
since the divorce was no through? sounds like a credit card compnay to me
All I can say is try to open another account with another card
then transfer the balance.
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I got divorced and court odered ex wife to pay van and cards

I got divorced a year ago. The judge said in the divorce decree that my ex wife was responsible for the credit cards and the van and I am to be held harmless. Well she filed bankruptcy and the van was repossesed. I am afraid they will come after me but they took the van and sold it and have not yet contatced me. That being the case if I am responsible then why didnt i get notified with a chance to pay for the van? And if not a judge said I wasnt responsible can he turn right around and hold me liable after the fact ?
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credit and law have little to do with each other. The van folks use the address on the note. They probably do not even know where you are to contact you.
even if a judge decreed something, you can still get hurt with your credit. All you could do would be sue your ex for the money legally. This will not help your credit nor stop the van folks from coming after you.
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I have 4 Bad charges on my credit report. Most are from a divorce.

I have read several of your blogs and very pleased with all the information I have gotten.
But I am still uncertain and unclear on how to manage my credit from the start.
I have 4 Bad charges on my credit report. Most are from a divorce and are still coming after me. I am however going to pay them in full but would like to consult with you and see if I am doing this correctly.
One is from a collection agency that has nothing else on my report from them. I am ready to send a validation letter to them is this the first correct step. This one is old since about 2003.
And do I send validation letters before I negotiate with the companies to pay them have them removed from my account?
I will be paying them all in full but I am trying to make sure I am taking the right steps to help myself out.
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yes you are right on target
i guess i should say
you might dispute them with bureaus first for the fun of itthe validate and make them provide you personal info. do not prived it for them.state name and account number maybethen negotiate to have the account removed if you pay in fullthey can do it but may not

Simple credit question

In a phone conversation with Bank of America I was shocked to learn that some collection agency has me owing someone $365.00 from 2005 that has not been paid. Otherwise I am blemish free, but this black mark has by credit score at 676. I know my score was 720 in Jan 08.I feel sure this is the work of my ex-wife. How do I pay the bill & get rid of black mark?
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dispute it as not yours
if they find it
legally validate the debt
if they can do that
negotiate to pay if they will remove it
you need to know if thery have your signature and legal chain of ownership

Divorved my husband 2 years. His health care judgement on my report

I have been divorced for 2 years,I kept my exhusband on my health care plan, He ended up in the hospital never paid his bill I got a judgement put on my credit for 1984.00 in 12/2007 can they due this?
I never knew anything about it until I pulled my credit in 3/2008 .
Do I have to pay this?
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it seems you would to have had knowledge of any judgment. if you were not served papers, and you only had insurance for the man and were not married to him then, I would think you could just dispute the judgment and it would come off. Say not your account
If this does not work i would investgate the court records at what ever court rendered judgment, hopefully the place is close.
i would also call the hospital and confront billing and see if your name may have been used without your knowlegde as a responsible party which is likely since you state it was your insurance.
there might be a possiblilty that your insurance would not pay since you were not married.
In any event i do not believe this should be on your 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

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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Newly Divorced needs credit help.

I am a newly divorced mother and I am desperately trying to refinance my home. My credit scores are horrible: 540, 517 and 487. I simply cannot get the rate I need to refinance my home. Fortunately, my current lender placed me on hardship status and lowered my monthly payments, but I'm still having trouble. Yesterday, I came across your web page and I must say that for the first time in a year, I have hope. I thank you for offering free, upfront advice. I downloaded all of your forms, applied and received new credit lines and I feel positive about being on my way. Again thank you so much for this advice. You have gained a new fan and blog reader.
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Thanks. It's a jungle out here.
Dispute Forms

Lost job and had a divorce. I have bad credit on my report.

Hello, I am calling for your advice. I have (2) charge offs on my credit report. Both are Capital One. And they have been there for about 2 years. Went through a divorce and havent' had a full time job since, therefore have not been able to pay on them.
Please help!
Thanks,
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majors@oskie.com / to Lynn / show details / Jul 3
I guess I should address that on my website
If you don't have a job you can forget about good credit.

When I got my divorce, I agreed to sign over the house to my ex-husband and he agreed to re-finance and get my name off the loan. He also agreed to have my name taken off all the credit cards he opened without my knowledge and listed me as the second party on. A year later he has done none of those things.
I have contacted an attorney who says it could take up to two years to take him to court and hold him in contempt, for whatever good that would do.
I have also been told that I can attach a letter to my credit reports to show that I am no longer responsible for those debts and attach a copy of my divorce decree.
My question is, what is the simplest and most straight-forward way of doing that? And most effective, as I am now thinking of moving back to the States and buying property and afraid that these things will have a negative affect on that process?

Thank you for your help.
Sincerely,
Divorce decree and joint accounts
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"majors@oskie.com" / to Vanessa / show details / Jun 8
100 words or less letter with divorce decree date, case number and state.
use my dispute form for addresses.
Your situation is normal for divorces.
Sorry