How many times can the same debt be placed on your credit report?
February 5th, 2009
ccdpat asked:
I have had the same “debt” put on my credit report by the original lender, a collection agency over 2 years ago and now a brand new collection agency. I questioned the original debt on my report and they removed it, and now, it has obviously been sold to another collection agency who has put it back on my file. The original debt wasn’t even mine, it was my husbands so I don’t even know how it is getting on my file. If it helps, I live in Ontario, Canada.
I have had the same “debt” put on my credit report by the original lender, a collection agency over 2 years ago and now a brand new collection agency. I questioned the original debt on my report and they removed it, and now, it has obviously been sold to another collection agency who has put it back on my file. The original debt wasn’t even mine, it was my husbands so I don’t even know how it is getting on my file. If it helps, I live in Ontario, Canada.
I guess it has your name on it, so as far as anyone else is concerned, it is yours.
You will have to go through the same process as the first time to get this item removed.
Explain the situation in writing to the credit reporting agency. Since it was taken off before it should be taken off this time. It will show up as many times as the collection agencies report it.
The best thing to do is get a free online copy of your credit report by going to experians website. On the form you can dispute the debt and the company may remove it. It may come off on its own after several years but there is no limit to how many times and can be re-reported
In most places , being married means joint finance responsibility .
If you were married , You are probably legally responsible .
Unless you can prove that you had already filed for divorce at the time the debt was incurred
And published a note in 3 newspapers saying that
” I ( jane doe ) will no longer be responsible for any of my spouse’s ( john doe ) debt from this day forward ” .
Had you filed for divorce and did you publish the Not Responsible Notice ?
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it depends for what. I found interesting information about Credit Reports & options here. luck!
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