<prompt> Human: Ok little background. Im 25 with kids and Im separated from my husband and in the process of finding a lawyer to file for divorce. I spent most of my married time as a SAHM and bartender. When we got married his finances were a wreck bankruptcy overdue bills etc After 4yrs and me managing the money we got to a point were bills were on time finances were doing good, so we bought a new car. Since the split Ive moved in with my mom to save money and find a nice apartment. I got my bartending job back and enrolled in the MIS course at a local college. I knew I couldnt afford the payments on the new car working as a bartender so I bought a cheap used vehicle with cash and told my ex he could keep the car. He promptly lost his job and let it get repossessed. I consigned on it so when it pops up on my credit report I start to stress. How bad is a 483 credit score? Is there a way to have the repossession removed from my credit report if he agrees to take the debt for the car?What can I do to help get myself in a better financial situation?Edit:formattingAssistant: 483 basically means nobody will loan you any money.The thing you have to worry about now is the repossession doesnt necessarily make the loan go away, assuming you were deficient underwater at time of repossession. Its still out there, ticking away, garnering more interest. If you can get him to take the debt from the car, thats great, but youd have to anticipate him not wanting to do that for nothing. To get your name off the loan without making it current, you would need the lenders cooperation, and theyre probably not excited to do that, either. Id like to not pay you the money I owe you. You can try to get it from my unemployed spouse. Sounds great! Well update our records to reflect that. Yeah, no.Human: Well he told me when I talked to him about it not to worry about paying it that he would take care of it. I think to him that means wait until they take him to court or 7years though.  <response>: I started reading this sentence and I was like oh God oh god about him saying hed take care of it. Youre on the hook too 