Quote Originally Posted by nizmo240
I tell you I had a beacon of 793! could get what ever I wanted. Then ex wife fucked me over with loands and cc in my name, I went o go buy an r1 and my beacon was 495. Well I got alot of it disputed but one was a cc for 3k and she did a blance ttransfger,,atm and purchaes, so I was getting intrest x3 for 19.99% I paid on it for a year and it droped like $150 so i am saying fuck it let it be a charge off, since I didnt open it and they wont take it off.
Unless you have a divorce decree specifically stating that those accounts are her sole responsability, you are stuck.

Even if you are an authorized person on a credit card, they will turn the tables and come after you if the original person doesn't pay. It's not fair, but it happens.

The best way to resolve your issue is to call the CC company and make a payment arrangement and KEEP that payment arrangement current. As long as you have your arrangement current, they can't put delinquencies on your credit.

Another avenue is to bring the account current, sue your ex in civil court, then payoff the account with the settlement if you win.

Letting the account go into C/O is a bad decision, credit wise. It will follow you for a long long time. You'd be better off settling it one way or another rather than ignoring it and letting it show up as a charge off. Besides, they can not only hurt your credit that way, but if they use a collection agency that reports to the bureaus, they too will show up and now you have 2 bad credit marks from the same 1 account.