My ex husband and I formerly owned a house which has then suffered several  hits on my record for utilities. Although he's since paid for these when I realized  them but were still on my credit report and became 4 years and a half, in march this year. I got so many inquiries reported on my credit report from companies I've never heard of and tried to dispute but was nullified. BoostMycredit @ Fastservice Dot Com intervened and the narrative changed. It was a tough one, but was successful as it took him a little above three months to completely put a permanent stop to the re-occurrence, cleared the inquiries and restored my credit score to 780.