<prompt> Human: well.. I suppose maybe its not going to be considered special circumstances but anyway years ago 2007 I decided to go against my rule of thumb to NEVER co-sign for family and with my Cousins explicit promise told him I would do so ONLY IF he removed me from being on the account ASAP should have been 6 months it was for a 4 unit rental unitcomplex, well fast forward 6 months and he lost his job, and so therefore could not remove me from the account. Fast forward even further and his supposed tenants were not paying and so HE instead of contacting me to let me know at the time that he was going to miss a payment decided to NOT pay the mortgage... for several months -___- I only found out months later when I did my bi-annual credit check after I got declined for having a negative item on my record. Well, anyway... 2 years later after MONTHS of not paying mortgage and damaging my credit he had to foreclose the property and I had started a different job where I couldnt help him even if I wanted to. Well when you see my credit reports across all 3 bureaus any intelligent person would notice that every single account 100 under my name pretty much every account has NEVER been delinquent and has always been paid on time all the time... meanwhile rewind to 2009 and one would see that the one account with serious delinquency is that of the cousin I co-signed for and his failed attempt and paying that account... he cause my credit to plummet over 300 points. And now whenever I apply for credit and I am told one of the reasons I am declined is because of serious delinquency on my record one would see that is the stupid co-signer account... since he had said he was going to remove me from the account and that was the only term for which I had told him he was supposed to meet in order for me to co-sign for him, and he FAILED I believe it is NOT my fault and should therefore not have an impact on my credit... is there anyway I can make this happen? removing that record from my account Transunion says it should be removed from my record in 2019 but I am sooo sick of looking at it... I also might have the years screwed up from my memory but this is the gist of it thanks guys. Edit: seems everyone is fixated on the co-sign bit and not the question I was asking... And I get downvotted for asking about this. I was under the impression people are here to help and not bash on persons like myself for the one time I did not follow my own rule based on circumstances they do not know about... Gee..  <response>: You cosigned. You failed to hold up your end of the bargain. The delinquent mark is yours and probably there to stay. 