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Hi my name is ***** ***** I will be helping you today with your tax question.
Finance question, sorry.
You simply need to contact each credit agency and dispute the issue in regards ***** ***** one loan. Provide a copy of the paperwork that you received from the loan showing that they dismissed your liability and that your name was forged. They will then take that off of your credit report because it was fraudulently on there in the first place.
Here is guidance from the US Government on how to do that:
That is for that one fraudulent account. For everything else that is on there that you were a party to the bad account, even if it was not your fault, the only way to fix that is with time. Any company that markets itself online saying they can help you quickly repair your credit is a scam, and you should not hire any of them. One thing that you can do is contact each bank/loan company and ask them if they are willing to remove the late charges/unpaid accounts from your credit reports and explain your situation. Sometimes they will agree depending on the circumstances. The next thing that you should do is try to get a credit card in your name and make sure going forward all of your payments are on time, never be late. The longer you go with a good history of ontime payments, the better your credit will become. Bad items on your credit report take 7 years to remove, so the best thing is time unfortunately. However a variety of responsible credit usage also goes a long way. Try to get a credit card, home loan, car loan, personal loan, etc. The more various types of credit that you use responsibly, the better. Also try to keep your total credit usage on credit card accounts to about 20% of your allowable credit. For example if you have a $10,000 limit on one card, never carry a balance month to month that is over $2,000, this way you show the bank you are not overusing your credit.
You don't have to have numerous types of credit such as card, personal loans, car loans, and mortgage, but the more categories you can hit the better. If you are not in the market for a car or home, you can take a small personal loan from your local community bank for $500 even, and pay it off over 6 months. It'll cost you a bit in interest on the loan, but will go a long way showing you can responsibly pay off your accounts.
Finally a website like CreditKarma.com allows you to monitor your credit for free on a continuous basis. They will alert you to any changes in your credit, will give suggestions on how to improve your credit, and alert you if anyone attempts to fraudulently use your name again to open an account.
I am sorry you are in this situation, but going forward you will no longer be tied to your spouse, and try to stay positive, follow all of these steps, and every month you will start to see your credit improve.
You are very welcome. Happy to have helped!