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Former spouses who run up bills and don't pay them can hurt their ex-partner's credit histories on jointly-held accounts. If your file contains accurate negative information, only time and good credit habits will restore your credit-worthiness.
If you use a different social securitynumber to create your new credit file you must also use the state whose 3 digit code you're using as your place of birth in your new personal history because the computer system has the state codes built in them and can spot false social securitynumbers or those prefixed with the wrong state code when used with your place of birth.
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