I have been divorced from my ex-wife for 5 years. I appears that she had a medical credit account with a company while we were married that I did not know about. Apparently she went into default, the collection agency sued her, and won a default judgment. I was listed as defendant #2 in the case. Until the default judgement hit my credit report, I didn't know about any of this. This account has never appeared on my credit report, and if I was on this account, it was done without my knowledge. Souldn't this account have shown up through the years on my credit report? I have tried to find a lawer to help me, and I have tried to contact the plaintiffs attorney. I am considering filing a motion to have the judgment set aside by myself, becuase I can show I was not notified before the hearing.
when did your wife default and when was the account sold to the CA? were you checking all three credit reports throughout the years? each state differs, but if the CA isn't able to prove they made a reasonable effort to serve you notice, you have a good chance of getting the judgment vacated. however, have you spoken with your ex wife about this? did she receive notice and ignore it?
Hi Cathy, thanks for replying. I just found out by email this morning, that Trans Union and Equifax have removed the judgment from my credit report! I filed these disputes about a microsecond after I saw it on my report. I didn't expect that they would be removed, because I thought all they would do is look at the court records, and maintain that they were simply reporting what was in the records. See there folks, here is an example of a situation where I was sure a dispute was futile, but since I knew I was in the right, I filed it anyway and so far, so good! If you know you are right, fight it! To answer your questions Cathy, yes I have been checking my report through the years for just this reason. This is not the first (and I fear not the last) time this has happened. I actually use Identity Guard, and I pay them the $15 per month, which for me is well worth it. My ex had me listed as an authorized user on a card she had in her name. It went into default and started showing up on my credit report. It seems that if you are an authorized user, they can not come at you for collections, but they are free to wreck your credit, even if they know you never used the card! The CC company would not remove me from the account without my ex-wifes consent, because to them, I was just an additional source of money. And this particular CC company has got to be one of the sleazyest one's out there! Well in that case the extortion worked. I paid the amount due,to get my ex to agree to remove me from the account. I did try to speak to my ex-wife about this by sending her an email, but did not receive a reply, so I can't provide details. I can tell you that I spoke directly to the collection agency, (I'm not shy, especially when I know I'm right). That lady told me that the charge for the medical procedure was back in 2002. That was the only detail she would give me. She also told me that all the information regarding the account and the hearing went to my wife's address that she purchased after our home was sold as part of the divorce proceedings. The lady from the CA also told me that this was an address that they had for me, but of course I have never lived there, and can prove it. So this is another fact in the case that continues to point to fraud. I have no way of knowing for sure, but I am relatively sure that she recieved notice and ignored it. The lady from the CA told me that while "she could understand my point, but there was nothing that could be done, since the judgment had already taken place." Even though she had just admitted to me that all the information had been sent to an address where I had never actually resided. Don't take "NO" for an answer folks, fight it!
great news!!! can you let us know exactly how you disputed with TU and equifax? how much detail were you able to give them in the dispute? and how long ago did you dispute them? most people think being an authorized user will only improve your credit, in fact, that's what a lot of people do if they have damaged their credit and can't get approved for a card in their own name. but you're right, if the main accountholder defaults, the au may not be financially responsible, but your credit is going to suffer for it! i've used identity guard in the past too and also felt it was well worth the monthly fee. the fact that the address used to send notice is the address of a house your ex-wife purchased after your divorce seems like it'll be a strong fact for you to present as proof! off topic, but heisenburg, are you a fan of the principle or the show?
