[quote user="beryl"] [quote user="Brian Field"]Thanks for all the replys, the reason i have bad credit is i worked away from home and my then wife so fit to get loans secured and non secured in my name. thus when i found out a divorce followed. many other reasons apply to this dirvorce but non my fault realy. But i was not able to prove my wife was the person who got the loans and not me.so that made me liable for the debt.[/quote] I don't understand how that could have happened Brian or rather why you can't prove these loans were taken out without your consent or knowledge. That is what I think you are implying has happened. Signatures etc must have been needed and if 'yours' have appeared, then it could be investigated as fraud. Though I appreciate that you might not want to go down that path. What you can do is write to all the credit reference agencies and have a Notice of Disassociation placed on your credit file, this being an up to 400 word statement in which you can explain to anyone viewing your file that from a certain date you have financially distanced yourself from your ex wife. Obviously you cannot put anything libellous in this statement but it can be a useful exercise. [/quote] Hi my ex-wife could get my signature down to a great copy, and did often with my knowledge. But also did on several loans without my knowledge. its hard to deny when the signature is exact same as what i do myself. when i told the companys i worked away from home and could prove it with dates it did not matter. as they said i could have signed the forms while at home on weekends.