Help! How can i clean up my awful credit due to my ex husband. Is there a way to dispute them my self.?

I heard that i can dispute them to the crdit bureau. Anybody know of any resource online that i can do this....Thanxs

Public Comments

1. I havent heard of that. but try getting some credit cards in your own name and pay them on time. Even if you just put less than one thousand on them. Good luck to you.
2. Not sure where you are, but I would certainly consider using someone local that you can actually meet with and have a plan - online may or may not actually get anything off of your credit report. Also, some laws are different in different states. My husband had the same problem with his wife. We were able to have everything removed that happened AFTER the divorce date (not the seperation date) just by showing the divorce papers. Anything that was unpaid while they were still legally married, he is responsible for. As a matter of fact, we just payed a $200 cell phone bill from about 6 years ago - they just found us and the charges were from when they were not together. However, they were not legally divorced, so he was still held responsible for the charges. Good luck - what a freakin' nightmare.
3. A dispute means that the charges are incorrect, or are not yours. If you are signed on the charges, you are responsible. The fact your x didn't make payments for a loan you are signed on isn't really going to be something the credit bureau is going to be willing to dispute. That being said, contact the local credit bureau (should be a listing in the phone book) and lay out the bills you have question/problems about; they can point you in the right direction. Good luck
4. first get a copy of your credit at experian or tran union then simply look at it then dispute your from his at experian you can pay a fee and do it all on line dispute it enough time till its removed dont give you I just did it it takes time but they will remove it tell them to prove it or remove it in a nice letter good luck
5. If the debts are in BOTH your names you are stuck with them. Your only recourse is to take him back to court to get him to pay his fair share.
6. Get a copy of your credit report. If there are things like late payments, bounced checks, etc. call up each creditor and try to get them removed from your report. If the first person you talk to won't help you, go above their head. Go as high up in the company as you have to, get mad, and threaten to sue (it worked for me!). Just try to dispute everything, even if it was your fault. You never know, you might get lucky! You can also go to each credit bureau's website and have them investigate. I don't have any personal experience with this but it's worth a try. Good luck!
7. Anything on your credit report can be disputed. The thing is that you have to have proof that whatever it is that you are disputing is wrong. If the bad things you refer to are the result of joint accounts that your ex husband just did not pay as agreed? There really is nothing to dispute. You can contact the credit bureaus online at Transunion. com Equifax.com and Experian.com. Good luck.
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