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I was a joint applicant on a mortgage with my ex boyfriend. We broke up and we verbally decided I would keep the car and he would keep the house. I kept my name on the mortgage because I knew my ex wouldn't be able to get another mortgage just in his name. Now, almost three years after I moved out, he has filed bankruptcy which showed up on my credit report. I was never contacted by anyone, my ex or any creditor. What can I do?
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