It seems as though DH's ex has been spending on a credit card in his name.

[citybranch]

DH and I have been together for 8.5 years, married for 5.5 of those.

He decided to check his experian credit report this evening for the first time ever as he had been chatting at work about mis-sold PPI etc.

We were surprised to see that a credit card had been taken out during the time of his acrimonious split with his ex. He can't remember taking this out at all, the credit card is in his name but the date of birth is incorrect. The DOB is his ex's. The card was registered at their old address.

The info on the credit report doesn't go back far enough to show an opening balance but appears to sit dormant for a long time until mid-2007 when suddenly it appears that payments were made (shows a green 'payment ok' circle) all the way up until 2009 when it was finally closed.

We were shocked, the card had been used throughout the period of our marriage, birth of our son and house purchase. Obviously we never declared this card in our mortgage application as we didn't know it existed.
Thank god she paid up on time each month, that's all I can say!

What would you do in this situation? Was this fraud? The account is now closed, is there any way it could be re-opened again fraudulently?

We are not in contact with his ex and don't see their children anymore although the two boys (teenagers now) are in touch via FB and text. This contact is in secret as they have had to maintain to their mum's solicitor that they don't want to know us.

Part of DH would like to write to her and tell her he knows what she did, but I'm wondering if its best not to rock the boat. I am scared that she could do the same again though.

[lalalonglegs]

No expert but I think it might be worth speaking to Experian about this before you pursue anything else. I agree that you are very lucky that she has made payments and the account is now closed but I would want to know that this couldn't happen again - Experian may be able to advise.

[maggiethemole]

if the card has been paid and now closed, move on.
would not both starting a fight with her if children are involved.