Credit denial

I just found out recently after being denied credit repeatedly that groom #1 whom I have been divorced from for over 12 yrs. has a Discover card that was opened when we were married that still has my name on it...He owes more than 5 grand on a 9 grand limit...The account has been recently closed due to 90 day lates...I called Discover who told me there would be no chance in this life-time that my name would be able to come off of that account??? It seems as though there has to be something I can do to at least get it off of MY credit reports??? Please help as this winner of an ex-groom does not even pay me child support for our 13 yr. old...I have otherwise good-standing credit & would like to be able to get credit...I cannot even get a home loan so my Dad has to continue to hold my mortgage which he is getting tired of doing...I am in FL & my ex is in IL if it matters

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face=" Arial, Verdana, Helvetica">quote:</font><HR>Originally posted by Magjack:
I just found out recently after being denied credit repeatedly that groom #1 whom I have been divorced from for over 12 yrs. has a Discover card that was opened when we were married that still has my name on it...He owes more than 5 grand on a 9 grand limit...The account has been recently closed due to 90 day lates...I called Discover who told me there would be no chance in this life-time that my name would be able to come off of that account??? It seems as though there has to be something I can do to at least get it off of MY credit reports??? Please help as this winner of an ex-groom does not even pay me child support for our 13 yr. old...I have otherwise good-standing credit & would like to be able to get credit...I cannot even get a home loan so my Dad has to continue to hold my mortgage which he is getting tired of doing...I am in FL & my ex is in IL if it matters<HR></BLOCKQUOTE>

My response:

Since the card account was opened in both your names during your marriage, you're both on the hook, despite the fact that he's the one doing all the charging. That card should have been taken care of; i.e., the account should have been closed, at the time of the divorce settlement. If he doesn't have money for child support, guess what the chances are that he'll be paying off the account on the card? Slim, none, and nill.

The only way to do it now is for you to pay the account in full, close the account, and sue your ex for damages.

Good luck.

IAAL



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