Dealing With Credit Card Fraud?

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October 16, 2012

Cutting a credit card with scissors.Can anyone place a 7 year credit alert with the 3 credit reporting agencies in Texas after a divorce "without" a police report? My daughter ran her report after leaving her husband and found that during the marriage he had opened up accounts in her name only without her knowledge. According to my daughter he has closed the accounts.


There were problems with his credit going into the marriage. I called one of the credit agencies and the recording stated that one can place a 90 hold, but a 7 year hold required a police report. Does anyone know if there is an exception due to divorce? My daughter is not sure what he's capable of doing, but I told her she needs to take precautions.

He is a couple hundred dollars past due on his electric bill which is in her name. Whenever she calls to have it taken out of her name she will be responsible for his electric bill when she has not been living in the home.

By Betty from Lubbock, TX


October 16, 20120 found this helpful

You have to know what your options are. I would call all three credit card services and talk to a live person not a recording with your questions. I would call the utility or any other company that has the bills in her name and find out how to have her name removed and lastly, go back to her attorney and lay out your problems and see if he can resolve them.

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October 17, 20120 found this helpful

I had the same thing happen to me. My ex husband opened 2 credit cards in my name, maxed them out, and never paid a cent on them. I found out about them after the divorce. According to the lawyer, I am responsible for them.


My credit rating is in the toilet. I can't pay them, and the credit card companies want their money, in full! I tried suing him, but got nowhere as we were married at the time the cards were obtained. The judge said the husband could open the cards as "he had MY signature"...which he forged. But I couldn't prove it. So I am stuck. Good luck! What I learned was: don't trust any one!

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October 17, 20120 found this helpful

First of all, divorce is ugly and worse when there are children-I know just how you feel because my ex did the same thing to our son. We were divorced in 1999 and my son is still dealing with some of the problems his father created for him.


The 90 day option should be used as it will create a permanent record on the credit reports; also write 'I dispute this report because...' letters to all credit reporting agencies and request the letters be added to your credit reports. If they tell you adding the letters to your credit report is not possible tell them you will have your attorney follow up as all dispute letters must be added by law.

And then get a new lawyer-the one you have now should have known about dispute letters.

Be sure to follow up yourself on the dispute letters being added by regularly pulling your credit reports and checking that the letters have been added and are still in place.

Good luck. I remarried in 2011 and some of the 'ugly' was still on my reports. However, my dispute letters were also still on my reports and did make a difference over the years-I was able to rent homes and purchase a car in the years between my divorce and remarriage because I made sure the dispute letters were current.

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July 15, 2021

I have recently had my credit/debit card number stolen and used online. Between May 27-31st over $1000.00 of charges were made.


I was alerted to this by a letter from my bank saying that I was .32 cents overdrawn.

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