My options "PLEASE HELP!"

[threetime]

What is the name of your state (only U.S. law) NC?

Ok here goes. My wife had a couple credit cards before we were married and an account since we were married that she took out herself for something. Never did I sign anything for me to be a co-signer or anything to do with me being responsible for those loans. Well anyways we split up and she couldn't afford all those extra bills and I couldn't help her due to my own bills. Well she couldn't afford and just didn't pay. Since then which has been over a year ago all that crap ended up on my credit report also. Well I contacted one of the companys to demand it be removed and they wouldn't even speak to me, saying they would after I made her call them. I called for all three of my Credit reports and have just filed for those accounts to be removed but I have to wait another month or so to see what happens. What rights do I have in NC. We have since worked things out between us and never got a divorce but how can they slap junk on my report for something I never signed for.

If they do take this off my report, what stops these companies from just slapping this bad credit right back on me, and it taking me another month or two get get it removed, and having to pay for more reports. I plan on moving out of state to MT in about 6 months so I want my stuff clean so I can buy a house out there.

Thanks for the help.

[creditorRights]

Originally Posted by threetime

What is the name of your state (only U.S. law) NC?

Ok here goes. My wife had a couple credit cards before we were married and an account since we were married that she took out herself for something. Never did I sign anything for me to be a co-signer or anything to do with me being responsible for those loans. Well anyways we split up and she couldn't afford all those extra bills and I couldn't help her due to my own bills. Well she couldn't afford and just didn't pay. Since then which has been over a year ago all that crap ended up on my credit report also. Well I contacted one of the companys to demand it be removed and they wouldn't even speak to me, saying they would after I made her call them. I called for all three of my Credit reports and have just filed for those accounts to be removed but I have to wait another month or so to see what happens. What rights do I have in NC. We have since worked things out between us and never got a divorce but how can they slap junk on my report for something I never signed for.

If they do take this off my report, what stops these companies from just slapping this bad credit right back on me, and it taking me another month or two get get it removed, and having to pay for more reports. I plan on moving out of state to MT in about 6 months so I want my stuff clean so I can buy a house out there.

Thanks for the help.

I don't understand, Are they judgments? or is it the credit card company just putting derogs onto your report? Totally different options if it is either one. They were right to tell you that they cannot speak to you until she contacts them first (thats the law here in NY anyway)

[JETX]

Originally Posted by threetime

how can they slap junk on my report for something I never signed for.

First, ignore the response from 'Creditor Rights??' as it is NOT correct. It makes no difference if these are judgments or claims, the process to handle them is identical.

Okay, with that done... if these (debts OR judgments) are not yours, contact the CRA (Credit Reporting Agency) and ask them to investigate and remove the erroneous information from YOUR credit file. A good example of the type of letter to send can be found online at:
[url=http://www.creditinfocenter.com/forms/sampleletter1.shtml]Sample Letter 1 - Initial letter to credit bureaus[/url]

Send by certified RRR. Keep copies of everything!!

If they do take this off my report, what stops these companies from just slapping this bad credit right back on me, and it taking me another month or two get get it removed, and having to pay for more reports.

Pretty much nothing. You will have to be proactive in protecting YOUR credit history.

[dolebot]

and having to pay for more reports.

[url]www.annualcreditreport.com[/url] gives you a single free report from each of the major credit bureaus yearly.

You also get a free updated copy of your report once the investigation is complete, and said investigation modified your credit profile. However they won't likely send it to you unless you ask for it.

You are entitled to a free report any time you say that you are unemployed and looking for work (really how are they going to know) - I don't condone abuse or taking advantage here, just saying how it is.

You are also entitled to 1 free report per year. The site [url]www.annualcreditreport.com[/url] counts for your free yearly report. I suggest getting a paper one.

[creditorRights]

Originally Posted by JETX

First, ignore the response from 'Creditor Rights??' as it is NOT correct. It makes no difference if these are judgments or claims, the process to handle them is identical.

JETX I've only been in debt collection for a decade and I've never seen someone be so wrong....

OP you will be getting an ORDER TO SHOW CAUSE TO VACATE THE JUDGMENT if one has been entered against you... if they are derogs on a credit report you will be WRITING THE CREDIT AGENCIES DISPUTING THE CLAIMS.. TWO TOTALLY DIFFERENT STEPS.

[creditorRights]

and LOL @ an investigation if there are judgments on your credit report. Investigations can take 90 days Order To Show causes can be taken care of in less then 3 weeks. lololol

[Zigner]

Originally Posted by creditorRights

JETX I've only been in debt collection for a decade and I've never seen someone be so wrong....

OP you will be getting an ORDER TO SHOW CAUSE TO VACATE THE JUDGMENT if one has been entered against you... if they are derogs on a credit report you will be WRITING THE CREDIT AGENCIES DISPUTING THE CLAIMS.. TWO TOTALLY DIFFERENT STEPS.

You need to work on your reading skills. Jet's advice was based on the judgment NOT being against him...

[Zigner]

Originally Posted by creditorRights

and LOL @ an investigation if there are judgments on your credit report. Investigations can take 90 days Order To Show causes can be taken care of in less then 3 weeks. lololol

You can't do an OSC on a case you're not a party to

[creditorRights]

Originally Posted by Zigner

You can't do an OSC on a case you're not a party to

obviously if theres a judgment against him, he was a party within the action lol

[creditorRights]

Originally Posted by JETX

First, ignore the response from 'Creditor Rights??' as it is NOT correct.


It makes no difference if these are judgments or claims, the process to handle them is identical.

im assuming you didnt read the jetx response zinger?

[Zigner]

Originally Posted by creditorRights

im assuming you didnt read the jetx response zinger?

Originally Posted by JETX

Okay, with that done... if these (debts OR judgments) are not yours, contact the CRA (Credit Reporting Agency) and ask them to investigate and remove the erroneous information from YOUR credit file.

I believe it's YOU who didn't comprehend what was posted.

[debtcollector`]

JETX is, as usual, his typical gruff self and just as usual -- right. OSC, judgment -- that is all noise. The OP never said anything about a judgment. He simply has his wife's debt on his credit report.

The questions that should be asked are: Where did you live (state) when the debt was taken out? Why haven't you divorced her? Are you military?

As for creditorrights' comment about not being able to talk to the spouse -- that is nonsense, there are only three states where you can't talk to the spouse and NY or NC ain't in those three.

DC

[threetime]

Not a judgment, as stated its only derogatory against my credit. I am not military. As stated above im in NC. Reason I haven't divorced her actually doesn't concern anyone not to be rude and if you take it that way I apologize, but still personal. Fact is I have already got my free reports and have already contacted the CRA and filed the wrong information with them to be investigated. They kinda sound to me like they are on the creditors side right off the bat but i don't know. One of the CRA's kinda told me to start calling around to remove this stuff and then I told him i tried that before i called him and that i thought that was his job anyways, again wasn't being rude. There should be a law that once the stuff is off your report that they aren't allowed to re-enter it. Thanks for the help.

[JETX]

Originally Posted by creditorRights

JETX I've only been in debt collection for a decade and I've never seen someone be so wrong....

OP you will be getting an ORDER TO SHOW CAUSE TO VACATE THE JUDGMENT if one has been entered against you.

Wow... a whole 'decade' huh?? Not saying much since you clearly can't understand English, probably have a limited education... and certainly NO legal education!!

The subject of this post is "how can they slap junk on my report for something I never signed for" and (a stretch) "crap ended up on my credit report also.". It has NOTHING to do with a possible judgment.

And while we are exposing your IGNORANCE... there is no such thing as an "ORDER TO SHOW CAUSE TO VACATE THE JUDGMENT". The PROPER process is to file a 'Motion to Vacate Judgment' (or to 'Set Aside' Judgment, depending on local terminology). Depending on the presentation in the motion, the court can either rule ex parte or set a hearing on the motion. If the court affirms the motion to vacate, then the prevailing attorney would draft an "Order to Vacate' the judgment and present to opposing counsel for acceptance, then to the court for signature.

Further, even if there were a judgment involved, it would be against the 'split-up' spouse, not against the OP. If that were the case, the OP has no standing to file a 'Motion to Dismiss (or Set Aside').

Try to THINK before you publish your ignorance on the forum.

[creditorRights]

Originally Posted by JETX

And while we are exposing your IGNORANCE... there is no such thing as an "ORDER TO SHOW CAUSE TO VACATE THE JUDGMENT". The PROPER process is to file a 'Motion to Vacate Judgment' (or to 'Set Aside' Judgment, depending on local terminology). Depending on the presentation in the motion, the court can either rule ex parte or set a hearing on the motion. If the court affirms the motion to vacate, then the prevailing attorney would draft an "Order to Vacate' the judgment and present to opposing counsel for acceptance, then to the court for signature.


Try to THINK before you publish your ignorance on the forum.

[url]http://www.mfy.org/facts_credit/FrozenBankAccount.pdf[/url]

Now I get to expose your ignorance, read paragraph "B" of the above link and pay close attention to the bold lettering the says "ORDER TO SHOW CAUSE TO VACATE A JUDGMENT".... even senior members learn something new everyday I guess