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Posted in Auto Loans
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Question By
csklhanson

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Can a joint auto loan be taken off my report if seperated and spouse has vehicle?
My husband and I have a joint loan on his truck. We have been separated for a year. He has the truck and pays the loan. Is there any way it can be taken off of my report?

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Top Contributor
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First try a phone call

Call the lender and explain the situation.  They may go ahead and remove you form the loan if you reach a sympathetic ear.   You may need to follow up with a written request.  If your score was used to improve his odds of getting the loan they may not want to remove you, depends on how much is still outstanding on the loan and his payment history. 

As long as he is making the payments on time having the account on your CR actually helps your score. So if there is nothing negitive and the life of the loan is short it may not be worth the hassel. Thats your call.

Good luck

Top Contributor
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He'll need to re-finance the vehicle in his name only, that is the only sure way to get yourself off the note.

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