Ex Wife Credit Card Fraud?
First time Reddit poster here- Location: Washington State
In Oct of 2020 my (now ex) wife and I opened a Cabela’s credit card in Washington state with a credit limit of 6k. I was the primary account holder on the card because my credit was better, but she handled 100% of the finances in our marriage as far as administrative things go. March 2024 we sold our house and paid the balance off because we decided to divorce. She told me she would close the card. I naïvely took her at her word. When we got legally divorced Sep 2025 we put down that all of our finances were 0ed, and we had no assets together. Little did I know, she was still using this card (she actually used two physical credit cards attached to this account, one of them under my name and one under hers. (As well as another credit card through a different bank where I am a secondary holder). I just found out she has racked up about 15k in debt on these two cards and my credit is being affected.
She is working with a debt consolidation company to get the debt to a more manageable level- but I need to know what my options are as far as having this removed from my credit. I’m willing to file a police report or do anything I need to legally, aside from suing her. At least I think…(She has 50% custody of my daughter and I don’t want my daughter to suffer.)
Any help or advice is more than welcome here. I’m not good at finances or credit, but I was hoping to buy a house within the next couple years. So I’d like to get this sorted. Any help or advice is welcome!
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