Credit Cards, Rating, Repair Credit Debt and Collection


New Member
New Jersey
I have a question please regarding credit card debt in New Jersey. I am in the initial stages of filing for divorce in Ocean County, NJ. I recently accessed my credit report and found credit cards on my report, that I never applied for or ever made any purchase on. I'm positive these cards were applied for by my wife without my consent. They are all being managed by LVNV Funding LLC which is a collection company. I was told that I should call and request a copy of the original application for these cards to prove I did not request these credit cards and have no knowledge of them. However, I am not sure if I would be opening more problems for myself. Could someone please answer this question for me. Thank you in advise for your help!
If the applications were made online, it's unlikely that the information you gain will help you at all (just an FYI).
While I can't answer your question, since your credit info has been compromised you'll want to prevent this from happening in the future.

Freeze your credit reports at all four bureaus (TransUnion, Equifax, Experian, and Innovis).
Equifax | Credit Bureau | Check Your Credit Report & Credit Score
Check Your Free Credit Report & FICO® Score - Experian
Identity and Credit Information Solutions | Innovis

Chex Systems is used by banks when opening new accounts to look for deadbeats who have a history of overdrafts. You can add a security freeze to your identity so no one else can open bank accounts in your name. Home Page

Add a fraud alert to your National Consumer Telecom and Utilities Exchange (NCTUE) data file. Phone companies and utilities use the NCTUE when opening new service accounts.
Consumers – nctue

Other reporting agencies where you should freeze your personal data: SafeRent, Core Logic TeleTrack, and LexisNexis
Security Freeze - LexisNexis Risk Solutions Consumer Disclosure

Create your account on the Social Security web site so no one can beat you to that:
my Social Security | SSA