u/obatala0013

I live in Colorado.

When we divorced we still had a joint card, target card, it was her card and I was the secondary on it. We both kinda forgot about it. I was the only one that used it and that was only to pay for medication at the CVS in the target.

Anyways fast forward 7 years and she fills for bankruptcy.

I find out the accounts been closed and sent to collections. The account had never been late. The card had a small balance but was in good standing. I tried talking to the card company but they basically told be I was screwed. I've filed a dispute with transunion and equifax, just those 2 so far, it hasn't posted to experian just yet. But my credit score has taken a 130 point hit and Im left to wonder if there is any way for me to fix this. I didnt fill for bankruptcy, my accounts were all in good standing. Is there any hope?

I live in Colorado.

When we divorced we still had a joint card, target card, it was her card and I was the secondary on it. We both kinda forgot about it. I was the only one that used it and that was only to pay for medication at the CVS in the target.

Anyways fast forward 7 years and she fills for bankruptcy.

I find out the accounts been closed and sent to collections. The account had never been late. The card had a small balance but was in good standing. I tried talking to the card company but they basically told be I was screwed. I've filed a dispute with transunion and equifax, just those 2 so far, it hasn't posted to experian just yet. But my credit score has taken a 130 point hit and Im left to wonder if there is any way for me to fix this. I didnt fill for bankruptcy, my accounts were all in good standing. Is there any hope?

I live in Colorado.

When we divorced we still had a joint card, target card, it was her card and I was the secondary on it. We both kinda forgot about it. I was the only one that used it and that was only to pay for medication at the CVS in the target.

Anyways fast forward 7 years and she fills for bankruptcy.

I find out the accounts been closed and sent to collections. The account had never been late. The card had a small balance but was in good standing. I tried talking to the card company but they basically told be I was screwed. I've filed a dispute with transunion and equifax, just those 2 so far, it hasn't posted to experian just yet. But my credit score has taken a 130 point hit and Im left to wonder if there is any way for me to fix this. I didnt fill for bankruptcy, my accounts were all in good standing. Is there any hope?

I live in Colorado.

When we divorced we still had a joint card, target card, it was her card and I was the secondary on it. We both kinda forgot about it. I was the only one that used it and that was only to pay for medication at the CVS in the target.

Anyways fast forward 7 years and she fills for bankruptcy.

I find out the accounts been closed and sent to collections. The account had never been late. The card had a small balance but was in good standing. I tried talking to the card company but they basically told be I was screwed. I've filed a dispute with transunion and equifax, just those 2 so far, it hasn't posted to experian just yet. But my credit score has taken a 130 point hit and Im left to wonder if there is any way for me to fix this. I didnt fill for bankruptcy, my accounts were all in good standing. Is there any hope?