How to Get an Ex-Spouse's Credit Card Off of My Report

Separating your finances is one of the trickiest aspects of a divorce. One key area to address is your credit card accounts. The only situation in which you can get an ex-spouse's credit card account completely off your credit report is if you were only an authorized user on the card. In this case, unless you live in a community property state and the debts were included in the divorce agreement, you are not legally liable for your ex-spouse's debts on this card, and you can get it off your credit report immediately.

Instructions

1

Call the phone number printed on the back of your credit card.

2

Ask to remove your name as an authorized user on this account, and ask to receive written confirmation of your removal and lack of liability for debts.

3

Write a letter to the credit card company if it does not comply with your request. Point out that you never signed the account agreement, you were only an authorized user and you are not legally responsible for repaying the credit card debt.

4

Dispute the credit card account with the credit bureau if the credit card company fails to cooperate. When you pull a copy of your credit report, the last page of the report provides instructions for how to dispute accounts that do not belong to you. Because the account is in your ex-spouse's name, this will remove it from your credit report.