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bjz985

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Divorced two years ago, my name has been off the mortgage a year why is it still open on my credit?

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What do you mean "my name has been off the mortgage" ?

Because if you mean that the divorce decree said he was responsible for it, then your name is NOT off the mortgage until he refinances the mortgage in his name only. You may have to take him to court to fullfill his part in the assuming of that loan in his name only. If he has poor credit, this is going to be a very hard thing for the courts to make him do, and they maybe forced to make him sell.

If he has refied the mortgage, your name will still be tied to the closed account, if it is still showing open then I would contact the mortgage company to see why. For good or bad the reports built on that file while you were married will remain on your report for 7 to 10 years depending on the status of it.

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