civil court order says i dont owe.

by will

i have a civil court order that says i dont owe my ex wifes bad personal loan that im a co sighner on , should this come off my credit report or does the civil court order mean nothing and im still responsable for her debt.

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Dec 24, 2011
civil court order says i dont owe.
by: Debtcollectionanswers

If the court ruled that you do not owe your ex-wife's bad debt, you will have to take steps to get the information related to the debt removed from your credit history. If I were you, I would first contact the lender involved and see if it is willing to remove the information from the credit files being maintained on you by all three of the credit reporting agencies -- Equifax, Experian and TransUnion.

If it is unwilling to help you, then you should contact each of the credit reporting agencies yourself to get the information removed. You can do that by challenging the accuracy of the information. Put your request in writing with an explanation of why you want the information removed and attach a copy of the court order to each letter. Send the letters certified mail with a return receipt requested and make a copy of each letter for your files. Go to the website of each of the three credit reporting agencies to find the correct address to which to mail your letters and supporting documentation. You should also go to the websites to find out what will happen after you dispute information in your credit file.

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