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my ex is ruining my credit score

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my ex wanted the house and agreed to take over payments in our divorce agreement but has made several late and very late pmts,submitted paperwork to mortage co.to show she has been responsible for this and asked to have my name removed,even with my ex stating in notorized letter that payments are not mine they would only take me off if she could re-finance in her own name but she has ruined her own credit.Why do i keep getting refused a mortage when i show and explain its not my bill but my name is still on the mortage,have been told if that wasn't on there i would qualifiy.Who could work with me to get qualified?my income to debt ratio is fine.I have the financial means but not the credit score

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June 15 - Dallas

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nvchaz
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[off-topic post, removed by moderator]

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June 15

sunnyview
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I am not an attorney, but I don't think that this should be your problem. You cannot let your ex wife continue to ruin your credit. There should have been some provision in the divorce decree about how the house was to be dealt with. If you ex has breached that original agreement by not paying as agreed, take her back to court. I believe that a court can compel her to refi if she can or to sell to get your name off. This situation could go on through the remainder of the mortgage term. Do something about it now. Make it her problem legally. When you go to court get two statements from two brokers or banks that say that they would lend to your if your credit did not include that delinquent mortgage from your ex. Your ex does not have the right to hold your credit hostage for the next couple decades. If you go to court, you may even be able to get some of the dings removed from your credit if you file a protest with the credit agency about the reported late payments if the court rules that your ex was responsible in the first place. It is worth getting legal advice now to get your credit back as soon as you can.

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June 15

socal_engr
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nvchaz,

My presumption is that this is your idea of humor, but it's off-base. I've seen enough of your other "don't pay your rent/mortgage and then skip out" posts that I'm starting to question how much is a poor attempt at humor and how much is a real lack of ethics/morals disguised under a thin veneer of sarcasm.

The only thing worse is that someone actually gave you a "thumbs up".

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June 15

Diane Price, "dianeprice"
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Diane Price, "dianeprice"

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Why not just sell the house? You can rebuild your credit and not have to deal with her credit anymore.

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June 15

nvchaz
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Tell her that you will make the mortgage payments and have her send her portion to you. Tell her that you will make up any shortfall.

Meanwhile don't send in any payments in -- just bank what she sends you.

Will she be surprized when she gets the sherrif's notice tacked on her door!

You will have made some money and can giggle a bit.

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June 15

mysql
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If your name is still on the mortgage, you are still liable for the debt. Thus it sounds correct that her late payments should be effecting your scores since you're both responsible for it.

I don't have any advice on what to do - I assume her poor credit prevents her from getting the mortgage refinanced in her name alone. Horrible situation to be in.

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June 15

Denise Tower, "neighborhoodrealtor"
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Denise Tower, "neighborhoodrealtor"

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As long you are listed as a co-borrower on the loan you are stuck. The existing mortgage company has no interest in removing you from the loan because you have the ability to pay and they want their money.
Sorry I can't offer any resources but this is a sticky mess and you are not alone.

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June 15

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