<prompt> Human: She has a court order that is a year old that shows the property belongs to the ex and that she is no longer obligated with anything regarding that property. She of course still shows on the loan, and the ex started missing payments thus affecting her fico scores. She told me that she went from tier 1 to tier 3terms dealerships use to determine how strong a buyer is. Can she explain to the credit bureaus of her situation with the court order to back her up and have those late payments removed?  <response>: There is something wrong with this story. A court order is generally not binding on a bank to change its loan terms. In my own divorce there was only one sticking point after the lawyers got through - I kept the house - and that sticking point was the timeline on which the home loan was to be refinanced into my name alone. I didnt really want to be forced to refi, but it was pretty clear that I was going to have to, one way or another; in fact I was forced to refi within 12 months after the signing of the agreement, no options. As it turned out rates went down right when I did the refi process, but that was sort of a stroke of luck.If the court has ordered the ex to refinance but he did not do so, thats not really the banks fault. In my understanding the bank can still come after her, as it is doing now. Its not the banks fault that your friend did not get a proper marital settlement agreement, nor that she signed away her ownership interest in the house. If it were that easy, I would give my house to my friend, he would give me his house, and both our loans would be immediately cancelled! You can see why it is not, in fact, that easy.Eventually a court can force the sale of the property, which I think is your friends recourse here; in my understanding, they cant force the bank to remove her name from the loan, which she agreed to repay when she signed the loan documents. The forced-sale process generally takes several years, during which either your friend pays the loan as agreed or her credit goes into the toilet. 