I’ve been thinking about how to request that late payments on our mortgage be removed by our lenders (the mortgage has been transfered two or three times). However, it occured to me that the loan is actually only in my husbands name. I am on the deed, but not the loan. They do show my name on the statements from the mortgage company, but again, I am not the borrower. When we bought the house I didn’t have enough of a credit history to qualify.
Do you think that I can request to have the account removed all together? If there was a good payment history I would want to keep it on my report, but we struggled financily the last few years and have a lot of late payments.
I’m thinking that I should write a letter to the CRAs stating that I am not the borrower or co-borrower and so the accounts should be removed.
Any suggestions and feedback would be so helpful!