<prompt> Human: Basically as described in the title. Estranged spouse manipulated the BK courts to prolong staying in the marital home. Once she filed for bankruptcy, the Trustees took control of the home. Spouse never serviced the loans and the mortgage was sold to various two banks during this period. So not my credit report shows years of missed or delinquent payments. Is there any way to get the agencies to delete all the missed payments after the date of her filing for bankruptcy? Im trying to build my credit score by various means. Thanks in advance, people.  <response>: If your name is on the mortgage loan, you are 100 liable for payment of the loan.Often, in divorce, declaration of bankruptcy by one of the ex-spouses forces the other spouse also to file.Sorry about this. Dave Ramsey says that once a marriage dissolves, it becomes strictly a business negotiation. This is common; the ex-spouse remaining in the home probably does not qualify to refinance the loan. 