Woman struggles with bank to clean credit from ex-husband’s loan

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KANSAS CITY, Mo. -- After 26 years of marriage, Shelia Edwards is divorced and ready to move on with her life.
Standing in her way is a $10,000 loan on a Bank of America credit card, which she said she never agreed to and was taken out by her non ex-husband.

"I will be under this forever," said Edwards. "He was just trying to get a loan for himself."

Although the divorce decree makes him solely responsible for paying it off, the loan is still haunting her credit. The outstanding balance has made it difficult to buy a car and a house.

"If he made any late payments at all, I would not have been able to qualify for this house," Edwards said.

She's repeatedly asked Bank of America to take her name off the loan, but it has refused, insisting she agreed to it and was a co-signer.

"Well show me my signature," Edwards said she asked the bank.  "'Well, we can't show you a signature. It was done over the phone.'"

Bank of America said since more than 25 months have passed since the loan was approved, it was no longer required by law to have the application on hand to prove to her she had ever agreed to anything.

That seemed unfair to Fox 4 Problem Solvers and divorce attorney William Reynolds of Kansas City agreed. He said a bank can't make Edwards responsible for a loan if she never agreed to it. If the bank no longer has the application to prove she signed up for it, that's too bad for the bank, not for Shelia Edwards.

Attorney Reynolds said it usually just takes a letter from an attorney threatening to sue to get most banks to play fair. Reynolds has offered his services. Ms. Edwards is hoping her problem is now on its way to being solved.