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favBlue

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Spouse's Late Payments
I cosigned for my spouse to get a car. He pays late frequently. My car payments are on time as indicated on my credit report. Is there anything I can do so his late payments do not affect my score?

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Top Contributor
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3029 People Helped

Nothing you can do as the damage is done.

Options are, 

Have them refi the car in their name only
or

Take over making the payments so they are on time.

Top Contributor
5038 Contributions
1136 People Helped

Keep in mind that refinancing the car in his name only will not remove the late payments on your credit reports, it would just prevent more added if he is late again.

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