My Ex-Boyfriend's last name is on my credit report

by Michelle
(Philadelphia, PA)

My ex-boyfriend purchased two vehicles in 2005. One was for me to drive and they had me put on the papers as a co-signor. He was the sole financial provider and I had no income at the time. Later I found out they wrote up the papers using his last name (showing us as married. I know I signed the documents with my last name. When we split up I left the car with him. Apparently, he defaulted and the vehicle was repo'd. There is an alias on my credit report with my first name and his last name. Plus, it shows the vehicle on my credit report as a repo. What can I do?

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Jul 22, 2012
My Ex-Boyfriend's last name is on my credit report
by: Debtcollectionanswers.com

If you co-signed for the loan, then you agreed to be as responsible for paying the debt as your ex-boyfriend. It does not matter if at the time he told you that he would pay the loan and for you not to worry about it. If you co-signed for the loan, then you and he both agreed to be legally responsible for the debt. Therefore, if he fell behind on the loan payments after the two of you split up and the car was repossessed as a result, the repossession can show up in your credit histories as well as his. The only thing that will remove that information is time given that negative information like a repossession or late payments, etc. can only remain in a consumer's credit histories for 7 years and 6 months after the date of the last payment on an account.

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