ex's bankruptcy corrupting my credit

I live in New Jersey. I was divorced in Nov 99 my ex filed bankruptcy in 2 of 2000. I was given the house in the divorce. His bankruptcy shows on my credit because his name is still on the mortgage even though the deed is in my name. I can't get a mortgage because of his bankruptcy. I can't even get a credit card, or an equity loan. I wrote to TRW who didn't help either, it was never removed. I went to a lawyer who said I won't be able to get credit for 7 years and his bankruptcy has filtered into mine. Please help... I've been working on this for a year with no success.

either try another lawyer at [url]www.attorneypages.com[/url] or the state bar association OR call consumer credit counseling.


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I am a law school graduate. What I offer is mere information, not to be construed as forming an attorney client relationship.

As you suggested I called the Consumer Credit counseling. They said they didn't have an answer. I took all the steps that they would have done. I am writing another letter to the credit companies attaching divorce decree and other legal documents and trying again. I'm surprised that there is nothing anyone can do. My children and I will suffer for WHAT? I'm very disappointed in the system.

[JETX]

Rose, though I sympathize with your plight, you need to understand the mortgage companies position. They loaned the money on the property based on the credit application of TWO people, you and your spouse. And both of you signed for the mortgage. The fact of the divorce, or the judgment by the court has absolutely NOTHING to do with the mortgage. It is still binding on the TWO of you. You can send copies of the judgment to them until you run out of paper, the terms of the divorce are not binding on them.

And his bankruptcy didn't help matters. This now puts the entire debt squarely in your lap, since he is immune to their demands due to the bankruptcy order.

Based on your post, you are claiming that his name on the mortgage (and his bankruptcy) is affecting your credit. Assuming that you have good credit on your own, I suggest that you right all three of the credit agencies a letter (certified RRR) explaining that your ex-husbands credit information has somehow gotten into your history and ask that the investigate and purge any data that they find is not yours. Realize that any joint debts you had (like the mortgage) will stay, but any other reports on him that are post-divorce should be removed.

Further, you can review your rights by reading the FCRA (Fair Credit Reporting Act) at [url]http://www.ftc.gov/bcp/conline/edcams/fcra/index.html[/url]
also
[url]http://www.ftc.gov/bcp/conline/pubs/credit/fcra.htm[/url]