Well it depends how you want to proceed. If the cards are in good standing (assuming they are your exes) they would be helping your credit score. You could monitor them to ensure he Ian missing payments which could ruin your credit. On the flip side, if he defaults and you are joint with him the debtors could come after you for his debts. Most likely he doesn’t realize you are still on them and he probably doesn’t want his score to tank so hopefully he willl keep making on time payments. I would suggest you try opening one or two accounts in your own name to build up your credit if necessary. Then call his CC companies and get your name off of them. Close them if you have to. 😉