How to Get a Former Spouse's Information Off Your Credit File

Very important to do! Contact each credit bureau to get this accomplished. Check your report every year and you can with some patience get this done.

Difficulty: Moderately Challenging

Instructions

Things You'll Need:

• Addresses to each of the credit bureau's.
• Your divorce papers proving what you are saying is true.

1. Each year your are legally allowed to pull your credit report on line once a year. http://www.Annualcreditreport.com

2. Three Bureaus will show up and you can pull your report individually from each one. REVIEW IT CAREFULLY!

3. You are able to dispute items with a reason online but this does not guarantee your problems are solved. Dispute what is not yours anyway with three bureau's.

4. Within 30 days you will receive a report as to what has been deleted, researched etc.

5. If any bureau can not prove you have a debt that is outstanding they must take it off your report.

Tips & Warnings

• You must write in to fix any address imperfections.
• Copies of divorce papers or any documentation to prove you are divorced.
• This is a long and frustrating route but it does help.
• There may be limitations according to your state as to when you can pull the report.
• If anyone pulls a three way report, even though you may have resolved all of your issues. This can come up again depending on the service they use.
• KEEP ALL OF YOUR DOCUMENTATION FOREVER!