Divorce and Credit Questions
- I have gone through a divorce, and during the separation, my spouse began to go delinquent on many payments, which has negatively effected my credit. I would like to know what I need to do to clear this.
- What if someone else is using my SSN?
Q. I have gone through a divorce, and during the separation, my spouse began to go delinquent on many payments, which has negatively effected my credit. I would like to know what I need to do to clear this.
A. Yours is common problem and is difficult to remedy because a divorce does not necessarily relieve you of the joint debts you incurred with your former spouse. Unfortunately you may need to meet with your divorce attorney to explore your options.
Here are links to two articles about the issue. I hope it helps somewhat.
http://www.creditreporting.com/divorce-advice-credit-report.html
http://www.creditreporting.com/divorce.html
What if someone else is using my SSN?
If someone is using your SSN, and it is affecting your credit report, you should dispute the inaccurate information in your credit report with the credit bureau that is reporting it.
If the misuse of your SSN is not affecting your credit report, you can always report the misuse of your SSN to the Social Security Administration.
However, someone else using your SSN in a credit application may just be a simple mistake, and it may never affect your credit report, in which case there may be nothing you can do.
We are not lawyers or attorneys so don't rely on us for legal advice. We try to answer your questions as a public service, but we do so based on our experience which is limited to credit reporting issues. If you want professional legal advice, you should engage a lawyer to help you with your credit report related questions.
