Had spouse, now have bad credit
April 15, 2009 2:25 PM Subscribe
Bad credit due to ex spouse. So how bad is this black mark going to hurt me?
posted by anonymous to Work & Money (6 answers total) 5 users marked this as a favorite
Four years ago, I became divorced from my spouse, Chris. We divorced no-fault but Chris was (perhaps still is) an alcoholic who went over time from social drinking to having a few too many a little too often to finally being unable to function in the real world.
Chris wanted and got the house which was fine; Chris liked it more and at the time made more money than I. Our divorce papers gave Chris the responsibility of all costs associated with the house and specified Chris had 12 months to sell the house or refinance to get me off the deed and mortgage.
Chris dragged feet; I followed up. Chris lost job. The mortgage fell behind. Chris’ folks bailed Chris out. Per the law in my county, I took Chris to mediation. Chris agreed to sell or refi the house ASAP. Didn’t happen. Lawyer helped me file a contempt claim against Chris for violating this (and several other) provisions of divorce. Chris' parents give more money to pay mortgage. Court date not set due to court calendar. Chris did tell me there was a potential buyer, dragged feet on getting paperwork to me, then came to me with sales contract at one point which I signed but then title report came back with lien and buyer bailed out. In the meantime (2007), foreclosure happens because I can’t afford to pay my own rent plus the back mortgage, a lien (placed after the divorce for a default judgment someone had against Chris), HA fees, etc totaling over 20k. Chris is totally broke so no help there.
So I have a big honking foreclosure on my credit report. It’s the only big bad thing there. I may have some (very few) miscellaneous late payments (~30 days) over the last decade but otherwise all is A-OK. I currently (knock wood) have stable employment and no debt.
However, I may want to seek employment elsewhere eventually, and I have discovered that I may need to apply for a higher level security clearance than I have already. (I got the clearance before this happened).
So how bad is this black mark going to hurt me with job stuff? And how do I cope with the occasional feelings of anger, guilt and embarrassment?
The friend who looked over this question said I should mention that “Chris was emotionally abusive and had a violent temper and was very clever about deceiving me about what was going on while we still lived together”. (fwiw)
Yes, I know I could have done things differently. I was young and naïve when I married. Thanks for any advice. I can be reached at Howbadcanitbe AT gmail.com