My husband passed away 6 months ago and left me with some credit card debt and a mortgage, which is in our name. My husband was the primary cardholder and I was a co-user on the card. The debt has now gone for collection and the collection agency is asking about our estate. Even, I found that his debt is now in my credit report. Is it illegal? Why should it appear in my credit report? How can I remove this from my credit report?