Seven years ago my partner and I purchased a house and both our names went on the mortgage.
We separated a year ago and sold the house.
I have now been refused a loan due to the fact my then partner unbeknown to me at the time had missed 3 payments on our joint mortgage. I had only found out when we received a letter from the bank. We quickly made these payments and we are not in debt but this incident has had an effect on my credit score. This is the only thing, as I have never owed money or missed any payments beforeMy credit was good and I held and still hold these two credit cards.
How can this item be removed. There was no collection agency involved, or forclosure
But now I will not be able to have this loan or a mortgage
Added (1). Missed! Payments were cleared on receipt of letter from bank and NOT after house was sold. This non payment was not delinquent for such a time as to involve a collection agency neither was there foreclosure.
The house to be sold we put in the hands of real estate
Read more: How to remove a derogatory item off credit report?
