So, I was previously married, and now divorced. Too young. We were 22 and bought a condo. We did refinance and because I had the better credit it was all refinanced into my name only. (My credit only). When we divorced I moved out because I couldnt afford the morgage, and he could at the time. In the divorce settlement it states that he is fully responsible for the payments. I am currently getting remarried (after 4 years) to a Marine this year. My ex is worried he will not be able to afford the mortgage soon. I am worried that this will affect my credit harshly, and more worried it may interfere with my future husbands credit, will it? What will happen if he forecloses? Will any of this affect my future husband? I dont even know where to start or who to trust. I am currently on a Credit Couselling (CCCS) program and doing really good, is this more damaging than good? confused.....

Just to certain here, is your name still on the deed and the mortgage?

If the refinance was in your name and based solely upon your credit...it does have the potential to negatively affect your credit score. If your ex is unable to make the payments it will show default and any collection activities on your credit report because it is based on your credit and not his. He is just merely making the payments on it. The credit reporting bureaus do not know this information when reporting and frankly, they probably do not care. Our credit histories are separate from each other. So this matter will not effect your future husband's credit because it is not in his name. And it is best not to get him to co-sign because then it would impact his credit. However, if your ex goes into default payments...collection agencies will be devious and might find out that you are getting married and start to call you new husband's place of employment etc. trying to intimidate you. Remember that collection agencies are not allowed to call you after you submit a written letter expressing them to cease calling you. If they continue, they are in violation of federal laws and you can sue them. Make sure that you study up on what you rights are regarding collections...prior to it happening. Anticipate that it may happen so you know what to do about it. Look up the Fair Debt Collection Practices Act for what your rights are. Best of luck to you and your new marriage!P.S. Make sure you stay on top of you credit scores by getting your three free credit report from each agency about 3 times per year.

This thread is WELL over a year old and OP never came back to respond....diggin' up graves