I flew into Minneapolis to pick up my trusty Toyota to drive to San Francisco. Cell service was sketchy due to the mountains. When I answered my ringing phone in Salt Lake City, I almost drove into the lake.

My ex husband calls me about once a year. I have him programmed into my phone as "Evil Ex" so I don't answer it. But, this time he got the best of me: He got a new phone.

I didn't recognize the number, and usually I don't answer unknown numbers. For some reason, this time I did. Big mistake. It was my ex-husband.

Just hearing his voice made me nauseous. He promptly told me that we had a "major issue." Now, my stomach was really doing somersaults. I asked what the "major issue" could possibly be.

Apparently, something came up on his credit report that had a New York address on it and because of it, he didn't qualify for a car loan in Nevada. I had no idea what it was, but told him I would look into it at my hotel.

I hung up and drove the hundred miles to my hotel in silence. Why after five years should I do anything to help him out?

Since it could have affected my credit too, I did some investigating. It turned out to be an old credit card that I never use. I canceled it, and reprogrammed my phone as "Evil Ex's New Phone."