Just being divorced does not rid you of your ex's financial 'presence.' I was in the same position. I slowly and with great pain paid off my personal debts, while my 1st husband filed bankruptcy. Last year when I checked my credit reports, there still were a couple of places where his SSN and name was listed on my credit report! I also discovered several addresses that I had been no where near on the other side of the country.
Check your credit reports, all three major companies, every year. It is free as guaranteed by law. www.annualcreditreport.com
http://www.ftc.gov/bcp/conline/edcams/cr鈥?/a>
If you find any errors, contact the specific credit reporting company and have it corrected. Don't stop until they do fix it. You also have the right to add a comment to your credit report about entries, like that a bankruptcy was filed by husband ';due to divorce';. I had this added to my credit report for a few notations of late payments. So concentrate on YOUR credit report immediately!
If questions should arise when you are applying for a job, be honest. Since divorce is so common these days, I found that many people are more understanding. The fact that you are trying says more than anything.
Good luck.Can anyone give advice?i was married and my ex filed chapter 13?
Well the Chapter 13 usually comes with a 5 year plan to make payments on the debts you had, plus it will stay on your credit for a number of years, however having a bankruptcy should not hurt you in getting a job because the BK's are there to protect you as your federal right.
Bankruptcies of any type stay on the credit report for 10 years as of the the filing date (not the discharge date).
Your credit file is separate from hers. If you are not a party to the bankruptcy, then it will not appear on your credit report. If it does, it is in error and should be removed.
The truth is, there is no way to know how long some of the information will stay on your report. The rule is, 7 years after the last date that any of the creditors report it. As long as they keep reporting it, the clock resets each time they do. I would be up front, to any employer, and explain what happened before they find out on their own.
First of all if you did not file, the only thing that is showing up on your bureau is the accounts that were joint with your ex-husband and they will read ';Included in bankruptcy of another person';. This should not hurt your credit.
As far as how long it will show up, bankruptcy's show for 10-years from the date of discharge.
I do not agree with the people here who are telling you that your ex and the chapter 13 will not effect you. I do agree with the fact that if you are getting a job, most of the time they do not run credit checks....criminal backgrounds and drug test...yes, but credit....I am not so sure. From my experience, I know a few couples who divorced and as soon as the person stopped paying, filed for bankruptcy or chapter 13....the other persons credit was effected immediately. Even if you did not have a lot of accounts together, you relationship by marriage sometimes has a way of creeping up at the most unusual times. There is no guarantee that the others persons credit history will not effect you. It just depends on where you want to work and how far they are willing to check into your past.
Hi, I have this resource to share with you concerning your problem, My aunt finds it useful hope it will be useful for you too!take care
No comments:
Post a Comment