Posted on: 21st Nov, 2010 10:41 am
So , i have a house that im on the title not the mortage, my ex hasnt been able to refinace to get me off, he hasnt been able to pay the whole payment each month but contines to try and has recently been paying the while moratge but in the mean time MY credit score has been going down, im thinking of taking him to court , because of this how do i go about it and will it matter? and can i get my score up by telling someone this?
Welcome tturnertanya,
If your name is not on the mortgage docs, then the late payments on the mortgage will not be able to affect your credit scores. I guess, your name is mentioned on the loan docs and as a result it's affecting your credit score. Your ex will have to refinance the mortgage in order to remove your name from the loan docs. If you wish, then you can sue him. You will have to contact an attorney and he will guide you in filing the case against him.
If your name is not on the mortgage docs, then the late payments on the mortgage will not be able to affect your credit scores. I guess, your name is mentioned on the loan docs and as a result it's affecting your credit score. Your ex will have to refinance the mortgage in order to remove your name from the loan docs. If you wish, then you can sue him. You will have to contact an attorney and he will guide you in filing the case against him.