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lilfunky1 t1_iuib4zs wrote

individual

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OutdoorzExplorerz OP t1_iuicnqk wrote

Is it possible that, when we refinanced the house, only her name was on it? Otherwise, I can’t explain why my credit is fine since it was missed mortgage payments that should dunk us.

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micha8st t1_iuiex90 wrote

did you sign any refinancing paperwork?

Your county / city / state probably has a website when you can look at property ownership and such. If there's a mortgage, there'll be paperwork there. I doubt very much that they'd put the mortgage just in her name if both of you own the home, but you never know for sure.

Almost 20 years ago now, we got an offer to refi our house -- the offer came in my wife's name even though I was sole breadwinner and she a SAHM. We filled it out and refinanced (lowering our interest rate from 6.625 to 4.875 AND reducing the term at the same time to 15 years). We know a few other people who got the same offer from Wells Fargo. In every case, SAHM, husband sole-breadwinner, and offer to the wife. We think Wells was trying to improve their gender stats on mortgages?

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OutdoorzExplorerz OP t1_iujeg7w wrote

I have to check. I’m just wondering if the reported score is right within Credit Karma. If I’m on that refi, my score should be way lower.

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