At work, I have seen this similar situation all the time. Many couples out there hate discussing about the money. And the most financial mistake in a married couple is to have joint credit card and retirement accounts and not to close them after marriage is ending.
First, you need to ask your husband about the problem account that he had with his ex-wife. Is it a joint account or an authorized user account?
- If it is a joint account, your husband is financially responsible for debts that create in any exiting joint accounts even after divorce.
- If it is her account and your husband is only an authorized user, it is not his responsibility for debts that create after divorce. However, you and your husband still have to fight the issue with the credit card company.
- If it is his account, and she is an authorized user, he is entitled to pay back all debts.
เราก็พยายามจะเข้าไปเช็ค Credit ของเด็ก ๆ แต่เนื่องจากเด็กอายุต่ำกว่า 18 ปี รายงานจะถูกส่งไปให้ผู้ปกครองทางกฎหมายเท่านั้น ซึ่งในกรณีคือ แม่ของเด็ก ๆ (ภรรยาเก่า) อยากทราบว่าในกรณีเราควรจะทำอย่างไรคะ?
Since the mother is a sole custody. To request his children's credit reports without his ex-wife permission will be unobtainable at this point.
ดิฉันก็ไม่เข้าใจอีกว่าเด็กอายุต่ำกว่า 18 ปี มีเบอร์ SSC ก็จริง แต่ไม่น่าใช้การได้ ทางบริษัททั้งหลายไม่ได้ตรวจอายุก่อนหรืออย่างไรว่าเป็นเยาวชนยังไม่บรรลุนิติภาวะที่จะทำนิติกรรมใด ๆ ได้
In recent years, there are a lot of families facing major financial hardship and also an increase in the underage identity theft. To make ends meet, some trouble parents (in your case, your husband ex-wife) would steal from the family, and more importantly, from their own children without the family or children consent. Since the ex-wife now is unable to use your husband's identity to open an account therefore she may use her childrens SSNs to open utility accounts and build up credit history. From your information your husband ex-wife has sole custody of the children, if thats a case, some banks will allow a 16-year-old to open a checking account under the parents supervision. After 6 months of good credit history, she can illegaly use her child's SSN to apply for a credit card online.
ควรจะแก้ไขหรือต้องทำอย่างไรบ้าง ขอให้กรณีเป็นตัวอย่างแก่ทุกท่านด้วยค่ะ โดยเฉพาะกับเด็ก ๆ ไม่อยากให้ประวัติเค้าต้องด่างพร้อยในสิ่งที่เค้าไม่ได้ทำ ขอบคุณค่ะ
In order to protect his children from the financial ruin, your husband must reach out and discuss this situation with his children.
When the oldest one turns 18, it is a child's decision, whether to file a complaint against the mother and to clear his/her name off the credit card company or to take responsibility for paying existing debts.
Good luck . . .
CREDIT FRAUD - PLS. HELP
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