 TITLE: How to Manage Your Credit During a Divorce CONTENT: Can You Remove a Mortgage After a Divorce?\n------------------------------------------\nIf both you and your ex are named on your mortgage, credit bureaus cannot remove the account from your credit report. You are still liable for the loan, even if your divorce decree assigns responsibility for payment to your ex.\nContinuing to hold a mortgage with your former spouse isn't ideal. The loan will continue to show up on your credit report as well as theirs, possibly restricting either party's ability to get a new home loan in the future. If your ex makes late payments or—worse—defaults, your credit will be damaged as well. Having a joint mortgage is an ongoing responsibility you may prefer not to share, or may make things more difficult going forward.\nBut it isn't always simple to remove one spouse or the other from a mortgage. If you qualified for the loan together, your lender probably won't be willing to simply remove one party from the loan. Instead, you may have to refinance, sell your home or pay off the loan in order to make a clean break. END