If an old charged-off account is not listed by any of the 3 major credit reporting agencies, do I still owe a debt collector?
I was divorced in 2000. One credit card was to be paid off by my ex-husband. Now, 10 years later, I get a call from a debt collector telling me the account had been charged off in 2007 and they were going to collect this money from me. In 10 years, I have never been seen a statement or invoice and they think that I am going to pay something without any proof. What can I do? I checked my credit report, and it is not listed on any of them. Sears also issued me another card that has not been activated with a $6000 limit.
First, credit card companies - or any other creditor - are not parties to a divorce agreement and are not bound by the terms set between you and your ex husband. You have a right to go after your ex to live up to the obligations he agreed to undertake in your settlement agreement. But that doesn't help you in the immediate future.
Were you an applicant as well as your husband on the account or were you just an additional cardholder? If you were an additional cardholder then the account is not in your name. Legally they can not place it on your credit report. Ask the company for a copy of the original application if you need to be sure. But in the meantime you need to get back in to court and deal with your ex not paying the bill. Good luck.