Ex-Husband's credit card debt showing on my credit report

[jazzulzy]

What is the name of your state? Texas

My ex-husband and I were divorced 2 years ago. It wasn't a nasty divorce and we are still very good friends. Prior to our divorce being final, we paid off all of our credit card debt, closed all but a few accounts (he kept one, I kept the other). Since the divorce he has been using one of the credit cards, which is fine, except that I just found out it's showing up on my credit report. How do I go about having this removed from my credit report? Since all the charges were made since our divorce, can I be held liable for any of these charges?

Many thanx,
~J

[Debt Guy]

If you both were originally obligated to the bank, you are still obligated. Your divorce does not change your obligation to the bank. If he were to default, then the bank could and would come after you.

If you were never obligated on the debt, you can dispute the accuracy of the information to the credit reporting agencies.

If you want to be safe, you should each close those last two accounts and then just apply for new credit in your own name.

[jazzulzy]

Darn. I was afraid of that. Ok, next question...

My account has a zero balance, so closing is a non-issue. His account has 12k on it. If he closes that account, what happens to the balance? Can he have it moved to a new "non-joint" account in his name only? It's not that I'm concerned about him not paying. We are both concerned should something happen to him that I would be stuck paying off his balance.

Thanx!
~J

[Ladynred]

The credit card company isn't going to close an account that has a balance on it. They'll SAY they will, but its not REALLY closed and over with until the balance is ZERO. So, his best move is a balance transfer to another non-joint post-divorce credit card. THEN he can get that old account closed permanently and there will be no community property/debt issues either.