I'm a newbie. Just coming to introduce myslef. I'm sure that I'll be probing your brains, trying to help get out of a jacked up situation that me ... and my exboyfriend put me in. 1st, I have a question. On my credit report, I have a card from Kay Jewelers, I have not had a balance on this card for over a year, the account status is noted "PAYS AS AGREED", yet this account is not listed in GOOD STANDING on my credit report. Why? 2nd, what doe CHARGED-OFF mean? About a year ago, I settled with a credit card that I had a deliquent balance on. The settlement was for approx 80% of teh balance. This is not noted on my credit report. It says CHARGED-OFF and has the full balance listed as past due. 3rd, I'm embarrased to say that these are not the only things on my credit report. I was with a guy for 7 yrs and because he didn't have credit, most accounts were opened in my name. Now we are not together and I'm left in a ****ed-up situation alone....excuse my language. Because we weren't married, these accounts can't be seperated during the divorce; because I was in love, I never asked him to sign any promissory notes. I feel screwed. Hopefullly, the knowledge I acquire from you guys can help me to clean up my credit. kimeesha
On items 1 and 2, you probably will want to dispute this information with the credit bureaus. They will investigate and should correct it if it can't verify as accurate. On the issue of the accounts opened in your name...if these are still with the original creditors, then if you were receiving the bills and paying them, this will generall constitute proof that you accept that the accounts were yours. If it's something which has gone to a collection agency, it could be a different story. Often they will "validate" your debt by producing the contract which opened the account....and if they don't have anything proving that you signed the contract, could make a weak case for them.
Even if you had been married, a divorce wouldn't have changed responsibility for the accounts as far as the creditors were concerned. The decree could direct one ex-spouse to pay, but the creditor could still go after either party on a joint account. It is not binding on them.
