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CCmommy

My loan on husband’s credit report

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I took out a loan from our credit union. It was one of those ones where you sign the check and can use it for whatever. The check only had my name and I cashed it. I used it to consolidate some credit card debt that was just in my name. I was delinquent and it is showing on my husband’s credit report. It was sold to Allied Collections. I live in California, which I know is a community property state but none of my other debts are showing on his report, just this one. Is there a way to have it removed from his. We intend to try to settle the debt.

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He would have to dispute it with the CRAs as "not my account".  The problem is that "community property" also means presumed community debt.  He would have to prove it's not his debt if the CRAs/Debt Collectors don't buy the "not mine" claim.

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14 hours ago, CCmommy said:

I took out a loan from our credit union. It was one of those ones where you sign the check and can use it for whatever.

Was the check from a line of credit on a joint account? If his name was on the account that had access to those checks that could be why it is on his report.  Either party can sign the check for the loan but both become responsible because it is a joint account.

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On 5/19/2020 at 9:38 AM, Harry Seaward said:

He would have to dispute it with the CRAs as "not my account".  The problem is that "community property" also means presumed community debt.  He would have to prove it's not his debt if the CRAs/Debt Collectors don't buy the "not mine" claim.

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