"fraudulent credit card"? In Dec 2003 my husband's ex wife opened a credit card next

In Dec 2003 my husband's ex wife opened a credit card next to Capital One in his cross while he was stationed within Korea, she had the mail address listed as a PO Box within her hometown. He did not find out anything about this credit card until we be trying to purchase a house and it was on his credit report. She charged in the order of $150 on the card between the time it was open and Feb 2004, and now we are told he have to pay $1000.00 surrounded by order to carry it off his credit report. Are nearby any legal avenues we can filch because we knew nought of this card? We cannot afford to pay, as we should not because it be fraudulent, but we really need to get hold of his credit score better so we can qualify for a home loan. We have informed the credit card company, and the waste to do anything and want payment surrounded by full. Anybody have any answers?

Answers: Your husband should directory a police report for ID theft against his ex.

I realize that it may be difficult to database something like that on a entity that you know, but that person have no problems in trashing your husband credit. What go around, comes around.

Then your husband should file a dispute near the CRA's and include a copy of the police report.
He should also file a dispute next to Cap One and include the police report, with his dispute to Cap One he should request that they provide anything that contains "his" signature. (though it may be possible she could hold forged it a time or two)

If he has documentation that he be overseas at the time the card was open and used, that may help somewhat.

Then he should pilfer a copy of the police report, a copy of his CRA disputes and a copy of the Cap One dispute to your mortgage company.

If you run into any problems with any the CRA's or Cap One, file complaints next to the BBB, FTC, the AG in your state, and the AG surrounded by Cap Ones state if you still have problems next to them. Then redispute with the CRA's and/or Cap One and include copies of your complaints.

ably, if you start a fraud investigationyou wont be clear to buy a house for a very long time, even if it does come to lantern that she did it. i would make a contract with the credit card company and repay them say...300 bucks. seize it in writing first back you pay it. bonnet one is smart enough to attain something rather than nought. you could also try talking to your loan officer and writing a epistle of reason to the board. it shouldnt be hitting your credit win, since its over 2 years old.

If he did not enlarge that credit card, he cannot be held legally responsible for the debt. I would contact the credit card company again and request a copy of the credit application near his "signature" on it in command to start a dispute. If people are not cooperating, ask for their supervisor. If that creature isn't cooperating, ask for their supervisor and keep going up the manacle.
As far as the credit bureau is concerned, put your dispute in writing. They hold 30 days to investigate the issue. After the 30 days, they need to do one of two things: a) explain to you that it is accurate and show you proof or b) confrim that you are correct, update your credit report and send you a copy as proof.
Good luck!